Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

4000089538

Closed

2025-07-01 22:31

2025-07-28 02:26

XXXXXXXX

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-tax cert is missing in file, we can consider tax value from title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Missing Evidence of Property Tax Tax Document Missing in the file. - Due Diligence Vendor-XX/XX/XXXX

XXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000080684

Closed

2025-07-21 23:28

2025-08-04 07:43

XXXXXXXX

1 - Information

Credit

Missing Doc

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

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Resolved-Supporting documents Provided. Provided Investment statement shows Large deposit came from sale of shares. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Large deposit was a liquidation - Seller-XX/XX/XXXX
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. There is a large deposit of $XXXXXX.XX on XX/XX/XXXX (XXXXXXXX banks#XXXX) but there is no proof on the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Large deposit was a liquidation - Seller-XX/XX/XXXX

XXXXXXXXXX XXXXXXXXX - XXXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000080684

Closed

2025-07-21 23:08

2025-08-04 06:21

XXXXXXXX

1 - Information

Credit

DSCR Does Not Meet Guideline Requirements

Resolved-received updated Tax info - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Tax document. They need to use this for annual taxes - Seller-XX/XX/XXXX
Open-Per Matrix XX/XX/XXXX, Min DSCR is X for XXXX DSCR program but file has X.XX. (Calculated DSCR is XXXX Rent $XXXXX / PITIA $XXXXX.XX = X.XX). and as per XXXX & Tax cer page XXX, Quarterly tax is $XXXXX.XX/X = $X,XXX.XX (Monthly) but XXXX considered monthly tax amount is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Tax document. They need to use this for annual taxes - Seller-XX/XX/XXXX

Resolved-received updated Tax info - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX XXXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000080684

Closed

2025-07-21 22:08

2025-08-01 02:17

XXXXXXXX

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Provided Insurance shows Current property is free and clear. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Insurance shows property is free and clear - Seller-XX/XX/XXXX
Open-Housing History Does Not Meet Guideline Requirements As per fraud report page XXX primary property "XXX XXXXXXXX XXXX" has mortgage, So required XX months paid proof or VOM. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Insurance shows property is free and clear - Seller-XX/XX/XXXX

Resolved-Provided Insurance shows Current property is free and clear. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

XXX - XX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000080684

Closed

2025-07-21 22:37

2025-07-30 03:44

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested Alerts Cleared Report Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts As per GL version XX/XX/XXXX page XX, Need to clear all alerts on fraud report but Fraud report shows one uncleared alert on low category.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000086313

Closed

2025-07-31 04:41

2025-08-07 10:37

XXXXXXXX

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing history confirmed. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. UW response - VOR - Seller-XX/XX/XXXX
Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers XX Primary months, Provide the XX months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. UW response - VOR - Seller-XX/XX/XXXX

Resolved-Housing history confirmed. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000086313

Closed

2025-07-31 05:16

2025-08-06 04:34

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000087758

Closed

2025-08-12 07:58

2025-08-21 11:17

XXXXXXXX

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached CD - Buyer-XX/XX/XXXX
Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is Unexecuted - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000087776

Closed

2025-08-13 04:54

2025-08-21 05:16

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received asset utilization worksheet - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XX/XX/XXXX
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender Asset utilization worksheet for BX as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XX/XX/XXXX

Resolved-received asset utilization worksheet - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXXXX XXXXXXXXX- XXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000087776

Closed

2025-08-13 05:18

2025-08-20 04:52

XXXXXXXX

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL version XX.XX.XXXX page #XX, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. BX has $XX,XXX.XX in income, and BX has $X,XXX.XX in income. Thus, with BX having higher income, BX's FICO score of XXX should be used for qualification.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000087776

Closed

2025-08-13 05:48

2025-08-20 04:51

XXXXXXXX

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated XXXX Document uploaded, DTI matches the XXXX, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-Audited DTI is XX.XX and lender DTI is XX.XX. The difference is X.XX.

This is because lender considered below tradelines twice in their calculations per final XXXX : (a) XXXXX XXXXXXXXXXXXXXXX with monthly payment of $XXX (b) XXXXX XXXXXXXXXXXXXXXX with monthly payment of $XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX Document uploaded, DTI matches the XXXX, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000087776

Closed

2025-08-13 05:38

2025-08-20 04:50

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000087776

Closed

2025-08-13 05:21

2025-08-14 02:23

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-LCA Freddie Mac SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The loan requires a secondary valuation or a UCDP report with a X.X or less from CU and/or LCA.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXX XXXXXXX XXXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088067

Closed

2025-08-15 03:16

2025-08-26 06:10

XXXXXXXX

1 - Information

Credit

Assets

Asset General

Resolved-PCCD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX
Counter-PCCD reflecting correct Deposit and final number is required. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final SS showing correct EMD - Seller-XX/XX/XXXX
Open-We have Earnest Money Funds $XX,XXX as per the Final CD but proof of document is missing in file, please provide. In file we have X checks available on page#XXX-XXX, which reflecting EMD amount of $XX,XXX Twice and we required another check or Full of EMD proof. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Final SS showing correct EMD - Seller-XX/XX/XXXX

Resolved-PCCD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX.XXX
XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088067

Closed

2025-08-15 00:29

2025-08-25 06:16

XXXXXXXX

1 - Information

Credit

Assets

Asset 5 Does Not Meet Guideline Requirements

Resolved-XXXX with updated assets provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX w/ updated assets - Seller-XX/XX/XXXX
Open-Asset X Does Not Meet Guideline Requirements X months statement for XXXXXXXX #XXXX in the amount of $XXX,XXX.XX missing from file.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX w/ updated assets - Seller-XX/XX/XXXX

Resolved-XXXX with updated assets provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088067

Closed

2025-08-14 23:48

2025-08-21 04:37

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Missing Gap credit report within XX days of closing is missing from file.

- Due Diligence Vendor-XX/XX/XXXX

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

XXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088067

Closed

2025-08-14 23:48

2025-08-21 04:37

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Missing Gap credit report within XX days of closing is missing from file.
- Due Diligence Vendor-XX/XX/XXXX

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

XXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088067

Closed

2025-08-15 03:12

2025-08-20 02:12

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX with corrected HOA amount provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide the updated XXXX with HOA amount of $XXX and subject property is PUD. HOA per Appraisal Report is $X,XXX/XX=$XXX and XXXX document showing HOA amount of $XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX with corrected HOA amount provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088067

Closed

2025-08-15 03:09

2025-08-20 02:11

XXXXXXXX

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated XXXX shows DTI corrected to XX.XX%.Now the Variance is within X%.Hence resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX
Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%. Variance is X.XX due to our calculated all other monthly payment + REO is $X,XXX.XX whereas underwriter has considered the total of $X,XXX.XX difference is $XXX.XX.all other monthly payments updated as per Initial Credit report and Total Monthly Liabilities $XX,XXX.XX /$XX,XXX.XX=XX.XX%. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX shows DTI corrected to XX.XX%.Now the Variance is within X%.Hence resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088867

Closed

2025-08-20 13:26

2025-08-21 07:12

XXXXXXXX

1 - Information

Compliance

Mavent

Fees: Limited

Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender's information received. Per the Final CD, total recording costs were $XXX (section E, item #X). Per the Settlement Statement, it is broken down to $XXX.XX Deed + $XXX.XX Mortgage + $XX State Foreclosure Fee = $XXX. XXXXXXXX does not yet have an option to select for "Foreclosure Fee," but the amount is captured under Recording Fees Section E, Item #X. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The $XX XX Foreclosure Fee is listed on the attached Final HUD, at the bottom, line items in the charges column - Seller-XX/XX/XXXX
Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) • No "Foreclosure Prevention" fee located on the Final CD. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The $XX XX Foreclosure Fee is listed on the attached Final HUD, at the bottom, line items in the charges column - Seller-XX/XX/XXXX

Resolved-Lender's information received. Per the Final CD, total recording costs were $XXX (section E, item #X). Per the Settlement Statement, it is broken down to $XXX.XX Deed + $XXX.XX Mortgage + $XX State Foreclosure Fee = $XXX. XXXXXXXX does not yet have an option to select for "Foreclosure Fee," but the amount is captured under Recording Fees Section E, Item #X. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX-XXXXXX XXXXX XX.XXX
XXXXXXXXXX-XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000089055

Closed

2025-08-21 04:32

2025-09-30 12:11

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Updated Final XXXX with corrected occupancy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-The Final XXXX is Missing For Borrower X primary address is marked occupancy type as "Investment". Need to correct as "Primary Residence" - Due Diligence Vendor-XX/XX/XXXX

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

XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000089055

Closed

2025-09-30 10:40

2025-09-30 11:33

XXXXXX

2 - Non-Material

Credit

DSCR Does Not Meet Guideline Requirement

Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX
Waived-Using short term rental from XXX page, XXX for the DSCR calculation. Per guidelines cannot use short term for Investment Purchase - Due Diligence Vendor-XX/XX/XXXX
Open-Using short term rental from XXX page, XXX for the DSCR calculation. Per guidelines cannot use short term for Investment Purchase - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX XX.XX XXXXXX XX XXXXXXXX. XXXXXXX XXXXXX XX X XXXXXX
XXXXXX XXXXX XX XXX. XXXXXXX XXXXXX XX XXX
XXX XX XX XX%. XXX XXX XX XX XX%

Investment

Purchase

XXXX

Originator Pre-Close

XXXX

4000089055

Closed

2025-08-21 03:19

2025-09-08 02:07

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Updated Hazard Insurance Policy with expiration date provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Insurance Dec Page - Seller-XX/XX/XXXX
Open-Missing Hazard Insurance Policy In HOI expiration date is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Insurance Dec Page - Seller-XX/XX/XXXX

Resolved-Updated Hazard Insurance Policy with expiration date provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000088267

Closed

2025-08-26 03:35

2025-09-22 04:40

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Requested Updated DOT Provided by updating Notary date same as Note & DOT Date, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-The Deed of Trust is Incomplete Note Date Date is XX-XX-XXXX Notary Acknowledgment Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000089402

Closed

2025-08-25 04:27

2025-09-02 02:34

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet for BX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheet for BX as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender Income Calculation Worksheet for BX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXXXX XXXXXXXXX - XX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000089402

Closed

2025-08-25 20:10

2025-09-02 02:34

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX & XXXX Document with corrected monthly taxes uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Taxes are $X,XXX.XX monthly or $X,XXX.XX semi-annually per tax cert, title, payment letter, final CD. However XXXX shows tax amount as $X,XXX.XX. Provide updated XXXX with correct tax amount. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX.XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000089441

Closed

2025-08-25 23:10

2025-09-04 13:39

XXXXXXXX

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Updated asset page received final CD for proceeds. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. CD for sale of property - Seller-XX/XX/XXXX
Open-Asset Record X Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XX,XXX.XX as per the final XXXX proof of document is missing in file, please provide. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. CD for sale of property - Seller-XX/XX/XXXX

Resolved-Updated asset page received final CD for proceeds. - Due Diligence Vendor-XX/XX/XXXX

XX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000089441

Closed

2025-08-25 22:53

2025-09-02 02:42

XXXXXXXX

1 - Information

Credit

Closing

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

Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). As per the GL Version XX/XX/XXXX on page#XX we required Gap credit report within XX days prior to closing date. in file we have Gap report available on page#XXX showing as XX business days prior to closing date.
- Due Diligence Vendor-XX/XX/XXXX

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

XXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088868

Closed

2025-08-26 07:08

2025-09-04 01:42

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Asset Utilization Income Calculation sheet provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XX/XX/XXXX
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Asset Utilization Income Calculation sheet. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XX/XX/XXXX

Resolved-Asset Utilization Income Calculation sheet provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088868

Closed

2025-08-26 10:58

2025-09-04 01:40

XXXXXXXX

1 - Information

Credit

Closing

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

Resolved-Borrower X Gap Credit Report Provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). As per the GL Version XX/XX/XXXX on page#XX we required Gap credit report within XX days prior to closing date. in file we have Gap report available on page#XXX showing as XX business days prior to closing date.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Borrower X Gap Credit Report Provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088868

Closed

2025-08-26 21:35

2025-09-04 01:37

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX document with corrected Tax amount provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide the updated XXXX with Monthly Property Tax premium amount showing as per Tila Disclosure on page#XXX, Monthly Property Tax premium showing as $XXX.XX($XX,XXX.XX Annually), but XXXX Document on page#XXX Tax Premium amount showing as $XXX.(XX,XXX Annually ). - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX document with corrected Tax amount provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000090391

Closed

2025-08-27 03:23

2025-09-04 02:02

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX document with corrected HOI Premium amount provided.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide the updated XXXX with Monthly Homeowners Insurance Premium showing as Per Final CD on page#XXX, Monthly Homeowners Insurance Premium $XXX.XX but XXXX document on page#XXXX Monthly Homeowners Insurance Premium showing as $XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX document with corrected HOI Premium amount provided.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000090391

Closed

2025-08-27 02:58

2025-09-03 01:02

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-XXXXXXX XXX (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXX XXXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000089713

Closed

2025-08-27 00:25

2025-09-15 14:10

XXXXXXXX

1 - Information

Credit

Missing Doc

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

Resolved-Requested LOX for the access of funds provided from non borrower, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Access Letter - Seller-XX/XX/XXXX
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Non-Borrower is on the joint bank statement provided (XX Bank#XXXX,XXXX) , however there is not a LOE in file granting permission to access the funds.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000089713

Closed

2025-08-27 00:52

2025-09-15 14:08

XXXXXXXX

1 - Information

Compliance

Mavent

Fees: Limited

Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-Foreclosure fee is on page X of hud attached - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final HUDX showing the $XX Foreclosure Prevention Fee to XX State Dept of Commerce listed on pgX - Seller-XX/XX/XXXX
Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final HUDX showing the $XX Foreclosure Prevention Fee to XX State Dept of Commerce listed on pgX - Seller-XX/XX/XXXX

Resolved-Foreclosure fee is on page X of hud attached - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000088518

Closed

2025-08-26 22:39

2025-09-04 13:35

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final CD for the proceeds used - Seller-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Total required Assets is $XXXXXX.X (Closing & Down payment is $XXXXXX.X + Reserves $XXXX.X) and XXXX used cash out proceeds are used for assets requirement but there is no proof in the file, required CD or settlement statement and wire transfer proof for cash out proceeds. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final CD for the proceeds used - Seller-XX/XX/XXXX

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000088518

Closed

2025-08-26 22:28

2025-09-02 23:55

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation (XXXXXXX SSR) Provided.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X As per XXXX DSCR Guidelines version XX/XX/XXXX page XX, Required Secondary Valuation which is missing in the file - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000090553

Closed

2025-09-04 11:23

2025-09-11 15:32

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-COC provided in findings, entered and re-ran XXXX with a pass. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached Closing Disclosure (CD) provided to the borrower, which includes the COC explanation regarding the lender credit. The lender credit was initially calculated based on the pricing at the time of the initial run. Due to subsequent pricing adjustments, the lender credit was reduced.

The initial reduction to the lender credit occurred on XX/XX/XXXX, per the disclosure tracking, and the second reduction due to pricing occurred on XX/XX/XXXX. All disclosures included a COC explaining that the changes were due to pricing adjustments on the loan.

This information was fully disclosed to the borrower; therefore, no additional lender credit is required. Based on this documentation, we kindly request that this finding be cleared.

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

Resolved-COC provided in findings, entered and re-ran Mavent with a pass. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX XXX.XXX
XXXXXX XX XXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000090736

Closed

2025-09-03 02:11

2025-09-09 16:46

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts • The XXXXXXXXXX XXXXXXXX XXXXXXX Connect Alerts Summary document shows a total of X High alert that was not cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000090732

Closed

2025-09-05 02:36

2025-09-11 03:29

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX document with corrected insurance provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX
- Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Per insurance docs, payment letter, IEAD, final CD the insurance amount is $XXX.XX ( Hazard $XXX.XX + Wind$XXX.XX) but XXXX on page #XXX shows it as $XXX and page#XXX shows it as $XXX.XX. Provide updated XXXX with correct insurance amount and HTI/ DTI figures. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX document with corrected insurance provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000090732

Closed

2025-09-05 01:47

2025-09-10 06:16

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-XXXXXXX XXX SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The loan requires a secondary valuation or a UCDP report with a X.X or less from CU and/or LCA.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000091772

Closed

2025-09-10 22:32

2025-09-17 01:59

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-This is a purchase file. Lease agreement not required. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-This is a purchase so may be tenant occupied but this is a new property for our borrower - Seller-XX/XX/XXXX
Open-Provide lease agreement as subject is tenant occupied per appraisal but lease agreement is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is a purchase so may be tenant occupied but this is a new property for our borrower - Seller-XX/XX/XXXX

Resolved-This is a purchase file. Lease agreement not required. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXX

N/A

XXXX

4000091772

Closed

2025-09-10 23:07

2025-09-17 01:52

XXXXXXXX

1 - Information

Credit

DSCR Calculation Undocumented

Resolved-DSCR calculation sheet provided showing originator DSCR matches with calculated DSCR. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX
Open-Audited DSCR is X.XXX, which is based off the Rent $X,XXX / PITIA of $X,XXX.XX ($X,XXX.XX P&I + $XXX.XX Taxes + $XXX.XX Hazard Insurance) . Provide lender's DSCR worksheet as it is missing from file; unable to validate the lender's DSCR calculations to determine if there is a variance. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-DSCR calculation sheet provided showing originator DSCR matches with calculated DSCR. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091772

Closed

2025-09-10 23:11

2025-09-17 01:50

XXXXXXXX

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Provided Final SS showing $XXXk gift. This was gift of Equity so no wire transfer needed. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final SS showing $XXXk gift. This was a gift of Equity so no wire transfer - Seller-XX/XX/XXXX
Open-Asset Record X Does Not Meet G/L Requirements Provide proof of document for gift amount of $XXX,XXX mentioned in final XXXX as gift letters on page #XXX, XXX shows gifts amount as $XXX,XXX and $X,XXX.XX respectively and the proof for $X,XXX.XX only available on file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS showing $XXXk gift. This was a gift of Equity so no wire transfer - Seller-XX/XX/XXXX

Resolved-Provided Final SS showing $XXXk gift. This was gift of Equity so no wire transfer needed. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091772

Closed

2025-09-10 22:19

2025-09-17 00:24

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report With Cleared Alerts Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Fraud Report With Cleared Alerts Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093450

Closed

2025-09-22 06:59

2025-09-26 00:45

XXXXXXXX

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Requested Flood Policy Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. This is a commercial policy. For our subject property see page X that reflects the flood and wind/hail policy. thank you - Buyer-XX/XX/XXXX
Open-Missing Flood Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested Flood Policy Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000090622

Closed

2025-09-24 03:04

2025-09-26 05:14

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Fraud Report reflecting uncleared Alerts, per XXXX guidelines dated XX/XX/XXXX page XX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093451

Closed

2025-09-24 05:45

2025-10-09 06:15

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find updated XXXX using XX.XX mo/ XXXX.XX yr for the HOI. This matches the evidence of insurance and the final signed CD. - Buyer-XX/XX/XXXX
Open-Missing Hazard Insurance Policy Hazard insurance premium does not match with Final CD - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX
XXXXXXX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093451

Closed

2025-09-26 12:47

XXXXXX

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Exception on page XXXX approved for DSCR <X.X for first-time investor is approved. Subject is located in desirable location as a commuter community to XXXX as a major employment center for the area - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX
XXXX X.XXX XXXXXXX XXX XXXXXXXXXX XX X
XXXXXXXX XXXXXXX- XXXXXXX+ XXXXXXX XXX XXXXXXXXXX XX XXXXXXX

Investment

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

4000095373

Closed

2025-09-24 05:22

2025-10-02 14:18

XXXXXXXX

1 - Information

Credit

Missing Doc

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

Resolved-received access letter - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Access Letter - Seller-XX/XX/XXXX
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide Joint access letter for account #XXXX. XXX Bank acct#XXXX reflecting additional borrower. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-received access letter - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000095373

Closed

2025-09-24 05:26

2025-10-01 02:05

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Fraud Report reflecting uncleared Alerts, per XXXX lending guidelines dated XX/XX/XXXX page XX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000095373

Closed

2025-09-24 06:53

2025-10-01 01:58

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX document with corrected Appraisal value provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide updated XXXX with correct appraisal value. Appraisal value in XXXX $XXX,XXX not matching with appraisal report $XXX,XXX due to variance there is a LTV discrepancy. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-XXXX document with corrected Appraisal value provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000095373

Closed

2025-09-24 06:51

2025-09-25 12:41

XXXXXXXX

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-received LCA eligible - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX
Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. No Secondary valuation in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-received LCA eligible - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000093311

Closed

2025-10-01 10:06

2025-10-02 15:02

XXXXXXXX

1 - Information

Credit

DSCR Calculation Undocumented

Resolved-received updated XXXX and DSCR calc - DSCR score in line - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX
Open-Calculated DSCR Ratio is Rent amount $X,XXX/PITIA$XX,XX.XX = X.XXX and Originator Consider DSCR Ratio is Rent amount $X,XXX/PITIA$X,XXX.XX = X.XXX DSCR, Variance is X.XXX. due to Originator not Consider Fire insurance impounds premium of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-received updated XXXX and DSCR calc - DSCR score in line - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XX XXXX XXXXXXXXXX XXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093311

Closed

2025-10-01 10:08

2025-10-02 14:58

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX document received - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide the updated XXXX with Supplemental Property insurance premium of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX document received - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093311

Closed

2025-10-01 09:08

2025-10-02 14:56

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093311

Closed

2025-10-01 08:44

2025-10-02 05:10

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093489

Closed

2025-10-01 22:33

2025-10-06 02:46

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts As per XXXX DSCR Guideline version XX/XX/XXXX page XX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high and low category.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091927

Closed

2025-10-03 03:17

2025-10-15 07:08

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated Master Settlement Statement on alternate finding uploaded, Audited Reserves of XXX.XX months are greater than or equal to Guideline Required Reserves of X months, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The EMD of $XXk is not being included in the investor Calculation.
XXXXXXX XXX XX XXXX-XX XX/XX - EMD Cleared XX/XX. See attached
- Seller-XX/XX/XXXX
Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) As per guidelines for LTV<=XX% reserves required X months of PITIA. Final HUD showing cash from borrower $XXXXXX.X + PITIA $XX,XXX.XX (X months reserves) = $XXX,XXX.X, available verified asset $XXXXXX.XX, the loan is short funds $X,XXX.XX. Provide the sufficient funds to verify the same. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The EMD of $XXk is not being included in the investor Calculation.
XXXXXXX XXX XX XXXX-XX XX/XX - EMD Cleared XX/XX. See attached
- Seller-XX/XX/XXXX

XXXXXXXX #X XX XXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091927

Closed

2025-10-03 04:52

2025-10-15 07:08

XXXXXXXX

1 - Information

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Requested wire proof for gift funds provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Wire and Gift Letters - Seller-XX/XX/XXXX
Open-Asset X Does Not Meet Guideline Requirements Proof of Gift amount $XXXXX received not in file. Gift letter available on page #XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Wire and Gift Letters - Seller-XX/XX/XXXX

XXXX XXXXXX- XXXX(XXX)..XXX
XXXXXXX XXX XXXXX XX XXXXX.XXX
XXXX XXXXXX XXXXXXX XXX..XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091927

Closed

2025-10-03 05:22

2025-10-08 00:02

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final Master Settlement Statement uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Certified copy of Final XXXX from settlement agent - Seller-XX/XX/XXXX
Open-Final HUD-X Document is Missing. Settlement agent signature is missing in Final HUD -X addendum page #XXX. Provide final HUD -X addendum page with settlement agent signature. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Certified copy of Final XXXX from settlement agent - Seller-XX/XX/XXXX

XXXXXX XXXXXXXXXX XXXXXXXXX (XXXXXXXXXX).XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091927

Closed

2025-10-03 01:41

2025-10-06 14:56

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000091927

Closed

2025-10-03 00:59

2025-10-03 13:44

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation received - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XX Score, if present, is greater than X.X XXX or XXXX or XXXXX XXXXXXXXXX report with a score less than X.X, not in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Secondary Valuation or Additional Valuation received - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000093704

Closed

2025-10-06 05:38

2025-10-10 05:01

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Updated Final XXXX, XXXX & Final HUD X to verify Proceeds from Real estate property uploaded, Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX/XXXX and final XXXX - Seller-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) due to not being able to evidence proof of proceeds from sale. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXX XXXXXXXX.XXX
XXXXXXXX XXXX XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000093704

Closed

2025-10-06 06:17

2025-10-10 05:01

XXXXXXXX

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Updated Final XXXX, XXXX & Final HUD X to verify Proceeds from Real estate property uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset Record X Meets X/X Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX/XXXX and final XXXX - Seller-XX/XX/XXXX
Open-Asset Record X Does Not Meet X/X Requirements Missing proof of Sale Funds for borrower in the amount of $XXX,XXX as per the final XXXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXX XXXXXXXX.XXX
XXXXXXXX XXXX XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000093704

Closed

2025-10-06 05:18

2025-10-10 04:59

XXXXXXXX

1 - Information

Credit

Closing

Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). As per the XX Version XX/XX/XXXX on page#XX we required Gap credit report within XX days prior to closing date. in file we have Gap report available on page#XXX showing as XX business days prior to closing date.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXX XXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000093704

Closed

2025-10-06 05:18

2025-10-10 04:59

XXXXXXXX

1 - Information

Credit

Closing

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

Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). As per the XX Version XX/XX/XXXX on page#XX we required Gap credit report within XX days prior to closing date. in file we have Gap report available on page#XXX showing as XX business days prior to closing date.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXX XXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000093704

Closed

2025-10-06 05:23

2025-10-09 02:32

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested Secondary Valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XX Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XX Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX XXXXXXXXXX report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXX XXXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000101774

Closed

2025-10-17 00:00

2025-10-20 13:43

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts • The XXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX document shows a total of X High alerts, only X of which were cleared. Per XXXX guidelines dated XX/XX/XXXX page XX, required updated fraud report that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000094754

Closed

2025-10-17 21:28

2025-10-29 12:50

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Using market rents investment purchase - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Counter-This one still has the actual lease amount of X,XXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX calculator - Seller-XX/XX/XXXX
Counter-Based on the operating statement using the actual rents in amount of X,XXX and the market rents is at X,XXX. Page. XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXX loan. They are using the rents on the appraisal. This is a purchase so a lease is not required - Seller-XX/XX/XXXX
Open-Provide lease agreement as property is tenant occupied per appraisal but lease agreement is missing from file. Based on XXXX worksheet using the rental income - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX calculator - Seller-XX/XX/XXXX
Ready for Review-XXXX loan. They are using the rents on the appraisal. This is a purchase so a lease is not required - Seller-XX/XX/XXXX

Resolved-Using market rents investment purchase - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX
XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000094754

Closed

2025-10-20 14:04

2025-10-28 06:12

XXXXXXXX

1 - Information

Credit

Missing Doc

Asset 4 Missing

Resolved-Updated asset page. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fully executed Statement - Seller-XX/XX/XXXX
Counter-This one is only signed by the borrower. Need the final executed hud - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Sale of Property - Seller-XX/XX/XXXX
Open-Need the executed final hud for the sale of the property . One in file is not executed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fully executed Statement - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Sale of Property - Seller-XX/XX/XXXX

Resolved-Updated asset page. - Due Diligence Vendor-XX/XX/XXXX

XXXX XX XXXXXXXX.XXX
XXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000094754

Closed

2025-10-17 21:55

2025-10-22 13:20

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alertS. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000096188

Closed

2025-11-03 05:11

2026-07-01 08:08

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Within the preliminary title report, there is reference of a Statement of Authority recorded XXXX XX, XXXX that sets forth XXXXXXX X. XXXXXXX as Manager, authorized to sign on behalf of XXXXXX XXX XXXX, LLC.
Please see attached. - Seller-XX/XX/XXXX
Open-The Note is Incomplete As per XXXX, XXXX document there are X Guarantor, But Note is signed by only one Guarantor and provided guaranty agreement is also not completed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Within the preliminary title report, there is reference of a Statement of Authority recorded XXXX XX, XXXX that sets forth XXXXXXX X. XXXXXXX as Manager, authorized to sign on behalf of XXXXXX XXX XXXX, LLC.
Please see attached. - Seller-XX/XX/XXXX

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

XXXXXX XXXXXXXX XXXXXXXXXX XX XXXX XXX XXX.XXX
XXXXXXX XXXXXXXXXXX XXXXX XXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000096188

Closed

2025-11-05 04:16

2025-11-14 06:29

XXXXXXXX

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated Guaranty Agreement document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Guaranty Agreement - all pages - Seller-XX/XX/XXXX
Open-Guaranty Agreement Doc is Missing or Partial Only pages X and X of GUARANTY AGREEMENT is provided in file pg: XXX, provide page X-X of GUARANTY AGREEMENT. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty Agreement - all pages - Seller-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated Guaranty Agreement document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXX XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000096188

Closed

2025-11-03 05:10

2025-11-13 12:19

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Confirmed recorded auth signer on prelim title only X guarantor needs to sign - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Within the preliminary title report, there is reference of a Statement of Authority recorded XXXX XX, XXXX that sets forth XXXXXXX X. XXXXXXX as Manager, authorized to sign on behalf of XXXXXX XXX XXXX, LLC.
Please see attached.
- Seller-XX/XX/XXXX
Open-The Deed of Trust is Incomplete As per XXXX, XXXX there are X Guarantor, But DOT is signed by only one Guarantor and provided guaranty agreement is also not completed. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Confirmed recorded auth signer on prelim title only X guarantor needs to sign - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXX XXXXXXXXXX XX XXXX XXX XXX.XXX
XXXXXXX XXXXXXXXXXX XXXXX XXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000096188

Closed

2025-11-03 05:18

2025-11-13 00:33

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final Title Policy - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXXXXX is less than Loan Amount $XXX,XXX, provide updated title commitment or Final title policy with coverage amount covering Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Title Policy - Seller-XX/XX/XXXX

XXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000100675

Closed

2025-11-17 07:03

2025-11-19 05:38

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. The XXXX provided shows $XX for Supplemental (Flood) Insurance. However, per the Hazard Insurance documentation from "Property Insurance Company of America," Flood is covered under the Hazard Insurance policy, so there is no separate flood insurance. This is also confirmed on the Final CD, as it is not showing any Flood Insurance escrow other any other flood insurance payments. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000100675

Closed

2025-11-16 22:55

2025-11-19 05:35

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Collateral Underwriter with CU score less than X.X provided, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Xxxxxx SSR with a score of X.X - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Xxxxxx SSR with a score of X.X - Seller-XX/XX/XXXX

Resolved-Collateral Underwriter with CU score less than X.X provided, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000100675

Closed

2025-11-16 23:31

2025-11-19 01:21

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXX LoanSafe Connect Alerts Summary document shows a total of X High alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000100675

Closed

2025-11-16 22:48

2025-11-17 13:57

XXXXXXXX

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. - Due Diligence Vendor-XX/XX/XXXX
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The XXXX discloses a FICO score of XXX. However, per guideline X.X.XXL "The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B#X has the higher income, so BX's FICO score should be used. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000101415

Closed

2025-11-19 05:12

2025-11-24 03:26

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested cleared alerts report provided, updated & condition resolved.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts • The XXXXXXXX XXXXXXXX Connect alerts summary document shows a total of X High alerts, Per XXXX guidelines dated XX/XX/XXXX page XX, required updated fraud report that shows all alerts were reviewed & cleared.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Second Home

Purchase

XXXX

N/A

XXXX

4000101415

Closed

2025-11-19 03:40

2025-11-23 23:45

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX
Open-Title Document is Incomplete Provide Final Title policy with title coverage. Title coverage missing in title policy. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

XX.XXX

Second Home

Purchase

XXXX

N/A

XXXX

4000102001

Closed

2025-11-21 02:43

2025-11-27 01:50

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Initial XXXX with LO signature uploaded, Verified & entered in system - Resolved

- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Signed Initial XXXX - Seller-XX/XX/XXXX
Open-The Initial XXXX is Missing LO signature is missing in both initial & final XXXX. Provide the updated XXXX with LO signature. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Initial XXXX with LO signature uploaded, Verified & entered in system - Resolved

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

XXXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000102001

Closed

2025-11-21 02:39

2025-11-25 08:18

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final HUDX signed by all parties - Seller-XX/XX/XXXX
Open-Final HUD-X Document is Missing. Provided Hud -X not showing the payoff amount for loan care account #XXXX amount of $XXXXXX.XX. Provide updated HUD-X. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-XX/XX/XXXX

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

XXXXX XXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000102001

Closed

2025-11-20 21:32

2025-11-25 00:04

XXXXXXXX

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the GL XX.XX.XXXX page # XX
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000102240

Closed

2025-12-08 09:50

2025-12-15 07:26

XXXXXXXX

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. For the assets, It is the funds deducted from the Asset Utilization Income Calculation to cover closing costs and reserves. See attached - Seller-XX/XX/XXXX
Open-Asset Record X Does Not Meet G/L Requirements XXXX shows Other - for $XXX,XXX.XX. Need documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. For the assets, It is the funds deducted from the Asset Utilization Income Calculation to cover closing costs and reserves. See attached - Seller-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX
XXXXXXX XXXXXX XXX XXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000102240

Closed

2025-12-08 10:00

2025-12-11 03:09

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000102240

Closed

2025-12-08 10:51

2025-12-10 03:37

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Rate Lock - Seller-XX/XX/XXXX
Open-Evidence of Rate Lock Missing Missing evidence of rate lock. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000102240

Closed

2025-12-08 09:34

2025-12-10 02:31

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary valuation is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000102556

Closed

2025-12-10 05:15

2026-07-01 08:14

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated fraud report provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts
- Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated fraud report provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000102565

Closed

2025-12-09 06:11

2025-12-11 03:16

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alertS. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000102070

Closed

2025-12-16 10:16

2025-12-23 09:18

XXXXXXXX

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Updated PCCD provided with corrected PPP terms - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached PCCD and LOE - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure $XX,XXX does not match the prepayment penalty calculation on the Note. $XX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached PCCD and LOE - Seller-XX/XX/XXXX

Resolved-Updated PCCD provided with corrected PPP terms - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX XXX.XXX
XXXXXXXX XXXXXXXXXXXX XXXX XX XXX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000099681

Closed

2025-12-16 01:02

2025-12-19 06:51

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Open- - Due Diligence Vendor-XX/XX/XXXX
Rescinded- - Due Diligence Vendor-XX/XX/XXXX
Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Condition added for the same. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Condition added for the same. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000099681

Closed

2025-12-16 01:02

2025-12-19 06:51

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached, thank you. - Seller-XX/XX/XXXX
Counter-Document attached is illegible, the reason for COC is cut off on the right side on page X - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached bwr signed on XX/X and updated info sent to bwr on XX/X - Seller-XX/XX/XXXX
Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording fee has been increased $XXX to $XXX under final CD without a valid COC or lender credit
- Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached, thank you. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached bwr signed on XX/X and updated info sent to bwr on XX/X - Seller-XX/XX/XXXX

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

XXXXX – XXXXXXXXXX XXXXXXXXXXXXXXXXX.XXX
XXXXX – XXXXXXXXXX XXXXXXXXXXXXXXXXX.XXX
XXXXX XXXXXXXX XX XX-X XXXXXXXX.XXX
XXXXXXXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000099681

Closed

2025-12-16 02:30

2025-12-18 06:56

XXXXXXXX

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. intent to Proceed is not executed - Due Diligence Vendor-XX/XX/XXXX

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

XXX - XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000099681

Closed

2025-12-15 23:55

2025-12-18 02:47

XXXXXXXX

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Requested Purchase contract provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan purpose is purchase but purchase contract doc is missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXXXXXXXXXXXXXXX_XXXXXX XX XXX XXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000099804

Closed

2025-12-15 08:28

2025-12-16 06:30

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-Note and final HUD reflects no prepayment penalty, missing lock confirmation in file that reflects borrower paid to have no prepayment penalty - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXX XXXX XXXXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000099804

Closed

2025-12-13 23:20

2025-12-16 04:06

XXXXXXXX

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Condition not needed as Borrower signed as both individual & as a member of LLC hence in this case we do not required guaranty agreement hence condition resolved.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXXXX XXXXXX has borrower's signature lines to reflect both individual and in LLC, therefore we never require a Guaranty Agreement. Thank you - Seller-XX/XX/XXXX
Open-Guaranty Agreement Doc is Missing or Partial Borrower signed note as member of LLC, an application is in file for business entity but guaranty document is missing in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXX XXXXXX has borrower's signature lines to reflect both individual and in LLC, therefore we never require a Guaranty Agreement. Thank you - Seller-XX/XX/XXXX

Investment

Purchase

XXXX

N/A

XXXX

4000101523

Closed

2025-12-15 06:43

2025-12-18 06:49

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-IEAD provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. My apologies please see attached - Seller-XX/XX/XXXX
Counter-Per Final Cd subject property is being escrowed for taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Not escrowed for taxes or insurance, thank you - Seller-XX/XX/XXXX
Open-Initial escrow disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. My apologies please see attached - Seller-XX/XX/XXXX
Ready for Review-Not escrowed for taxes or insurance, thank you - Seller-XX/XX/XXXX

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

XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000101523

Closed

2025-12-15 03:41

2025-12-17 02:58

XXXXXXXX

1 - Information

Credit

Borrower

Borrower 2 Credit Report is Incomplete

Resolved-Requested initial credit report with FICO scores provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-Borrower X Credit Report is Partially Present. Credit report is missing FICO scores - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000101523

Closed

2025-12-15 03:41

2025-12-17 02:58

XXXXXXXX

1 - Information

Credit

Borrower

Borrower 1 Credit Report is Incomplete

Resolved-Requested initial credit report with FICO scores provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-Borrower X Credit Report is Partially Present. FICO scores Information is missing for Both Borrowers Required Updated Credit report with FICO Information. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000103958

Closed

2025-12-15 09:57

2025-12-22 03:20

XXXXXXXX

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Certified copy of updated Final Settlement Statement uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date of XX-XX-XXXX, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached File did not fund until XX/X per Final SS and HOI inception date XX/X Thank you - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date Is XX-XX-XXXX Which is after the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached File did not fund until XX/X per Final SS and HOI inception date XX/X Thank you - Seller-XX/XX/XXXX

XXXXXXXX-XXXXX.XXX
XXXXX-XXX_ XXXXXX XXXXXXXXX (XXXXXXXX) - XXXX XXXXX XXXXXXXXXXXXXX_XXXXXXXX XX XXXXXXXX XXXXXXXXX XXXXX XXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000103958

Closed

2025-12-16 07:59

2025-12-17 07:01

XXXXXXXX

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-DSCR loan NonQM DSCR
Use the lowest representative score all borrowers on the file. XXX is accurate - Seller-XX/XX/XXXX
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-DSCR loan NonQM DSCR
Use the lowest representative score all borrowers on the file. XXX is accurate - Seller-XX/XX/XXXX

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

Investment

Purchase

XXXX

N/A

XXXX

4000101663

Closed

2025-12-17 21:52

2026-01-16 13:15

XXXXXXXX

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX
Resolved-received updated income calc - DTI less than XX% RESOLVED - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income worksheet with XXXX/XXXX - Seller-XX/XX/XXXX
Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Audited DTI of XX.XX exceeds guideline DTI is XX%. Audited DTI is calculated as monthly debt $X,XXX.XX ( credit liabilities $X,XXX.XX + PITIA $X,XXX.XX) / monthly income $XX,XXX.XX ( employment income $X,XXX.XX + REO rental income $XXX.XX ) = XX.XX%. Income on XXXX doesn't match final XXXX as well. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Income worksheet with XXXX/XXXX - Seller-XX/XX/XXXX

XXXXXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX
XXXXXXXXX XXXX.XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000101663

Closed

2025-12-17 01:46

2025-12-23 03:31

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX-X-XX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing X high uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXX XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106540

Closed

2025-12-31 07:36

2026-01-05 07:26

XXXXXXXX

1 - Information

Credit

DTI unknown

Resolved-Updated XXXX, and XXXX page DTI is in line. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX.XXXX - Seller-XX/XX/XXXX
Open-For the front End DTI it is now at XX.XX and back end is at XX.XX. Monthly total income for co borrower is at XX,XXX.XX. Clients DTI looks to be excluding freedom mortgage. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated XXXX, and XXXX page DTI is in line. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXX.XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106540

Closed

2025-12-16 23:31

2025-12-31 07:36

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX
Counter-Since the income for co borrower was reduced using XX% factor this has caused the income to change. For the front End DTI it is now at XX.XX and back end is at XX.XX. Monthly total income for co borrower is at XX,XXX.XX. Will need updated XXXX and XXXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income calculation - Seller-XX/XX/XXXX
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Lender Income Calculation Worksheet on page XXX does not display legible figures to verify the exact deposit amounts. Per the final XXXX and XXXX, the qualifying income for BX should be $XX,XXX. Provide an updated lender worksheet for BX that accurately validates this income. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Income calculation - Seller-XX/XX/XXXX

Resolved-Income calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX
XXX XXXXXX XXXXXXXXXXX XXXXXXXXX - X.XXX
XXX XXXXXX XXXXXXXXXXX XXXXXXXXX (X).XXX
XXX XXXXXX XXXXXXXXXXX XXXXXXXXX - X (X).XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106540

Closed

2025-12-18 06:35

2025-12-24 06:23

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Received online search for co borrower - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Evidence BX business is open. Income calculation was not supposed to uploaded for this condition. - Seller-XX/XX/XXXX
Counter-Have the income worksheet. Missing CPA or business narrative for borrower business VOE. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Income calculation worksheet - Seller-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing Business Entity doc is missing in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Evidence BX business is open. Income calculation was not supposed to uploaded for this condition. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Income calculation worksheet - Seller-XX/XX/XXXX

Resolved-Received online search for co borrower - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX
XXX XXXXXX XXXXXXXXXXX XXXXXXXXX - X.XXX
XX XXXXXXXX XX XXXX XXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106540

Closed

2025-12-16 23:31

2025-12-23 23:08

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. BX VVOE - Seller-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing provide VOE for BX as it is not in file. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXX XX XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106540

Closed

2025-12-18 06:41

2025-12-18 11:47

XXXXXXXX

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXD - Seller-XX/XX/XXXX
Open-XXXXD Completion Report is Missing PageXX have completion report, however the interior photos are not with the file showing the completions. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104367

Closed

2025-12-18 04:27

2025-12-22 13:04

XXXXXXXX

1 - Information

Credit

DTI discrepancy or failure.

Resolved-received updated XXXX with updated DTIs - resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-Audited DTI is XX.XX and lender DTI is XX.XX. The difference is X.XX.

This is because the lender did not include the REO rental loss of $X,XXX for the property at XX XXXXXXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-received updated XXXX with updated DTIs - resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104367

Closed

2025-12-18 05:07

2025-12-22 12:58

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. See attached COC.
The pricing for the Discount Points remained the same, it is the Loan Amount that changed:
Initial CD dated XX.X.XX discloses a Loan Amount of $X,XXX,XXX and Discount Points of $XX,XXX.XX (X.XXX%)
Final CD dated XX.X.XX discloses a Loan Amount of $X,XXX,XXX and Discount Points of $XX,XXX.XX (X.XXX%)
- Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee is increased from $XX,XXX.XX ( initial CD) to $$XX,XXX.XX ( final CD). Provide a valid COC to cure this. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached COC.
The pricing for the Discount Points remained the same, it is the Loan Amount that changed:
Initial CD dated XX.X.XX discloses a Loan Amount of $X,XXX,XXX and Discount Points of $XX,XXX.XX (X.XXX%)
Final CD dated XX.X.XX discloses a Loan Amount of $X,XXX,XXX and Discount Points of $XX,XXX.XX (X.XXX%)
- Seller-XX/XX/XXXX

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

XXX XXXX - XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104367

Closed

2025-12-18 04:08

2025-12-22 12:55

XXXXXXXX

1 - Information

Credit

Missing Doc

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

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX removing assets - Seller-XX/XX/XXXX
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide a LOE authorizing the borrower to access funds from XXXXXX XXX account #XXXX and XXXXX mutual fund account #XXXX, allowing XXX% utilization of these funds, as the borrower holds these accounts jointly with other person - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX removing assets - Seller-XX/XX/XXXX

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

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104367

Closed

2025-12-18 04:16

2025-12-22 12:52

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104367

Closed

2025-12-18 03:13

2025-12-22 01:38

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $X is Less than Loan Amount Provide updated title document as the one in file doesn't show coverage amount. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX XXXXXXX_(XXXXXXXXXX).XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104367

Closed

2025-12-18 03:00

2025-12-19 03:40

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-Complete Note document provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Note - including pg X - Seller-XX/XX/XXXX
Open-The Note is Incomplete Provide complete Note document as the one in file is missing the page X of X (signature page). - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Note - including pg X - Seller-XX/XX/XXXX

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

XXXX XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000104978

Closed

2025-12-19 13:40

2025-12-23 09:39

XXXXXXXX

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see appraiser's comments all through the document - Seller-XX/XX/XXXX
Open-Loan does not conform to program guidelines Per guidelines a short term rent analysis in addition to the appraisal XXXX is required and is missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see appraiser's comments all through the document - Seller-XX/XX/XXXX

XXXXXXXXXX XXXXX XXXX XXXX XXX XX XX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000104978

Closed

2025-12-19 09:10

2025-12-23 09:39

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Final HUD-X Document is Missing. Final HUD document at page #XXX signature page is missing in file - Due Diligence Vendor-XX/XX/XXXX

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

XXX XX.XXX
XXXXXX XX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000104978

Closed

2025-12-19 13:28

2025-12-23 09:37

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing lock confirmation reflecting no prepayment terms - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000106465

Closed

2025-12-22 10:25

2025-12-24 05:25

XXXXXXXX

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Received copy of DOT for primary is held jointly - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. DOT - showing borrowers ownership in property - Seller-XX/XX/XXXX
Open-Loan does not conform to program guidelines Based on guidelines page. XX first time home buyer not allowed. Primary is in spouse name. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT - showing borrowers ownership in property - Seller-XX/XX/XXXX

Resolved-Received copy of DOT for primary is held jointly - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XX XXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000106465

Closed

2025-12-22 03:49

2025-12-23 23:01

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX guidelines dated XX/XX/XXXX page XX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000095872

Closed

2025-12-23 12:55

2025-12-29 10:49

XXXXXXXX

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Housing History Does Not Meet Guideline Requirements Unable to verify XX month housing history for primary residence. A property report, mortgage statement or letter from borrower was not provided - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXXX XXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000095872

Closed

2025-12-23 13:06

2025-12-29 10:49

XXXXXX

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Loan does not conform to program guidelines Vacant properties per guidelines are required to be DSCR X.X or > - Due Diligence Vendor-XX/XX/XXXX

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

Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXXXXX XXXXXXXXX XXXX.XXX

XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX
XXXXXXXX- XX.XX XXXXXXX XXX XXXXXXXXXX XX X XXXXXX
XXXXXXXX XXXXXXX- XXXXX>XX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

4000101972

Closed

2025-12-30 02:33

2026-01-02 01:41

XXXXXXXX

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Borrower has owned his primary since X/XXXX and borrower purchased for cash and refinanced on X/XX. The uploaded property profile and CD showing property was free and clear previously, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Borrower has owned his primary since X/XXXX. He purchased for cash and refinanced X/XX. Here is the paper trail, including profile and CD showing property was free and clear previously. The borrower does meet primary housing requirements. - Seller-XX/XX/XXXX
Open-Housing History Does Not Meet Guideline Requirements Primary housing history is not verified, fraud report does not reflect a XX month history - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Borrower has owned his primary since X/XXXX. He purchased for cash and refinanced X/XX. Here is the paper trail, including profile and CD showing property was free and clear previously. The borrower does meet primary housing requirements. - Seller-XX/XX/XXXX

XX XXX XX.XXX
XXXXXXX XXX XXXXXXX.XXX
XXXXX XXXX.XXX
XXXXX XX XXX XXXXXXX XXXX.XXX
XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000104062

Closed

2025-12-23 08:03

2025-12-30 22:52

XXXXXXXX

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third party fraud report is missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000100072

Closed

2025-12-23 11:12

2026-01-02 01:56

XXXXXXXX

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-Updated XXXX & XXXX uploaded with corrected qualifying income, Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX%, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-DTI is XX.XX%

Monthly liabilities XXXX + Rental loss XXXX.XX = XXXX.XX + PITI XXXX.XX = XXXX.XX Total payments

Total Payments XXXX.XX / Monthly income XX,XXX.XX = XX.XX%

Sch. C XXXX XXXX.XX + XXXX-XXXX General Construction XXXX.XX + Sch. C Delivery Service XXX.XX = XX,XXX.XX
- Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% As Guideline's matrix page on # X Maximum DTI is XX% where as Calculated DTI is XX.XX%. PITIA of $XXXX.XX + monthly liabilities of $XXXX + $XXXX.XX Rental loss= XX.XX% back end DTI - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-DTI is XX.XX%

Monthly liabilities XXXX + Rental loss XXXX.XX = XXXX.XX + PITI XXXX.XX = XXXX.XX Total payments

Total Payments XXXX.XX / Monthly income XX,XXX.XX = XX.XX%

Sch. C XXXX XXXX.XX + XXXX-XXXX XXXX.XX + Sch. C Delivery Service XXX.XX = XX,XXX.XX
- Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Updated Final XXXX & XXXX uploaded with corrected qualifying income, Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX%, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX

XXXX-X XXXXXX XXXXXXXXXX X XXX'X XXXXXXXXXXXX.XXX
XXXXX XXXX XXXXXX XXXXXXXX.XXX
XXX X XXXXXXXX XXXXXXX.XXX
XXXX XXXX XXXXXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000100072

Closed

2025-12-23 10:40

2026-01-02 01:55

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX Document with corrected tax amount uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Tax amount Mismatching with First payment Letter. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000100072

Closed

2025-12-23 11:07

2025-12-31 03:30

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Lock Confirmation doc Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Evidence of Rate Lock Missing Required Rate Lock agreement. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lock Confirmation doc Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106746

Closed

2026-01-06 03:58

2026-01-12 04:25

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page #XXX a clear fraud report is required. The fraud report in file (page #XXX) has uncleared alerts. Provide the cleared report.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000106746

Closed

2026-01-06 02:52

2026-01-09 01:58

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Security Instrument - Seller-XX/XX/XXXX
Open-The Deed of Trust is Missing The DOT is missing page #XX. Provide the DOT with all pages. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXXXXX XXXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109557

Closed

2026-01-14 03:52

2026-01-27 07:28

XXXXXXXX

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Qualifying DTI is XX.XX% and lender DTI is XX.XX within tolerance (variance X.XX%). - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Our XXXX/XXXX is matching XXXXXX'X XX for liabilities and XXXX.XX for rent loss. DTI is at XX.XX% this is based on the Qualifying payment. DTI would be XX.XX% if using the Actual Payment - Seller-XX/XX/XXXX
Counter-Per the XXXX and credit report the net rental income is -$X,XXX.XX and revolving monthly accounts is $XX.XX. Provide documentation for the additional monthly payments that aggregate to $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX matching with the Mavent report on page XXX, however the originator DTI is XX.XX%. Variance is X.XX due to the difference in all other monthly payments. Diligence calculated all other monthly payment is $X,XXX.XX whereas the XXXX on page XXXX is $X,XXX.XX. Provide a revised XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Our XXXX/XXXX is matching XXXXXX'X XX for liabilities and XXXX.XX for rent loss. DTI is at XX.XX% this is based on the Qualifying payment. DTI would be XX.XX% if using the Actual Payment - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Resolved-Qualifying DTI is XX.XX% and lender DTI is XX.XX within tolerance (variance X.XX%). - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX
XXXX.XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109557

Closed

2026-01-14 02:48

2026-01-21 07:46

XXXXXXXX

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-XXXX provided with revised representative score. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page XXXX is 'XXX' while the Qualifying FICO from the Credit Liabilities Page XXX is 'XXX'. Provide a revised XXXX as the XX states the representative score is the primary wage earner mid score. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-XXXX provided with revised representative score. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109557

Closed

2026-01-14 02:48

2026-01-20 03:28

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. GAP Credit for both borrowers - Seller-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Missing Provide the Gap credit report as its missing in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. GAP Credit for both borrowers - Seller-XX/XX/XXXX

XXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109557

Closed

2026-01-14 02:48

2026-01-20 03:28

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Ready for Review-Document Uploaded. GAP Credit for both borrowers - Seller-XX/XX/XXXX

XXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109557

Closed

2026-01-14 03:39

2026-01-20 02:59

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are uncleared alerts in Fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the XX XX/XX/XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) has uncleared alerts. Provide the updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109576

Closed

2026-01-09 05:04

2026-01-21 13:23

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Received addendum to the contract with updated sales price. Updated sales price to X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Addendum showing the updated sales price - Seller-XX/XX/XXXX
Counter-Sales price is not updated should show X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide the updated XXXX with loan amount and Interest Rate, as per Note loan amount showing as $XXX,XXX and interest rate X.XXX% and as per XXXX document Loan amount showing $XXX,XXX & Interest Rate X.XXX%. also HOI premium as per Lender Loan info & Closing worksheet showing as $XXX.XX but XXXX showing as $XXX and Appraisal Value as per Appraisal Report $X,XXX,XXX but XXXX doc showing as $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Addendum showing the updated sales price - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX

Resolved-Received addendum to the contract with updated sales price. Updated sales price to X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX.XXX
XXXXX XXXXXXXX XXXXXXXX XXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109576

Closed

2026-01-08 23:58

2026-01-21 13:21

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation (XXXXX XXX) Provided.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXX XXX - score of X - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXX XXX - score of X - Seller-XX/XX/XXXX

XXXXX XXXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000108996

Closed

2026-01-14 22:29

2026-01-29 07:10

XXXXXXXX

1 - Information

Property

Value

All Valuation Products Have Variations to Primary that Exceeds -10%

Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Confirmed field review is sufficient for value - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The Field Review only has to give an Opinion of Value if #XX is marked “No” and on the attached Field Review this is marked “YES” - Seller-XX/XX/XXXX
Counter-field review attached does not have an opinion of value - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Appraisal and Field Review Attached - Seller-XX/XX/XXXX
Open-All Valuation entries (not including Collateral Underwriter (CU) entries) have a Variance to Primary value that exceeds -XX%. Desk review CDA value $XXXXXX deceases more than -XX% to appraisal value $XXXXXX and CDA showing high risk . Provide Xnd appraisal and Secondary Valuation with acceptable score. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The Field Review only has to give an Opinion of Value if #XX is marked “No” and on the attached Field Review this is marked “YES” - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Appraisal and Field Review Attached - Seller-XX/XX/XXXX

Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Confirmed field review is sufficient for value - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXX.XXX
XXXXXXXXX.XXX
XXXXXXXXX XXXXXX XXXXXX XXXX.XXX
XXXXXXXXX XXXXXX XXXXX XXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000108996

Closed

2026-01-14 23:34

2026-01-16 01:51

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Final XXXX document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX
Open-The Final XXXX is Missing Final XXXX not in file - - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Final XXXX document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXX XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000109647

Closed

2026-01-16 01:35

2026-01-21 02:40

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000107323

Closed

2026-01-20 00:49

2026-01-23 03:34

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-BX Initial XXXX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Initial XXXX is Missing Borrower signed initial XXXX is missing in file, for XXXXXX XXXX
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-BX Initial XXXX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX X XXXX_XXXX_XXXX_XXXXXXX.XXX

Second Home

Purchase

XXXX

N/A

XXXX

4000107213

Closed

2026-01-20 07:52

2026-01-26 07:10

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Borrower X social security income of $X,XXX.XX at page #XXXX the XXX.XX% of $X,XXX.XX is $X,XXX.XX and retirement income of $XX,XXX at page #XXX, borrower X social security income of $X,XXX.XX at page #XXXX the XXX.XX% of $X,XXX.XX is $X,XXX.XX. total qualified income is $$XX,XXX.XX, needs to updated under XXXX and primary house has HELOC account as Xnd lien of $XXX no included under XXXX page, subject property currently vacant but we have rent estimate at page #XX and rent amount is $X,XXX, XX% of $X,XXX is $X,XXX -$X,XXX.XX PITIA of subject property= -$X,XXX.XX but under XXXX negative rental income reflecting as $X,XXX.XX, needs to updated as -$X,XXX.XX and as per latest credit report at page #XXX all other monthly liabilities are also $X,XXX.XX only needs to update, aopprasial value alo needs to update as $X,XXX,.XXX per appraisal report page #XX. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX - XXXXXXXXXXX XXXXXXX X.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000107213

Closed

2026-01-20 08:29

2026-01-22 09:45

XXXXXX

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Loan does not conform to program guidelines Subject property is currently vacant but we have UW exception for rental income using form schedule E at page #XXX.. Waived - Due Diligence Vendor-XX/XX/XXXX

XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XXXXXX XXXXX XX XXX XX XX XXXXXX.
XXXXXXXX XXXXXX- $XX,XXX.XX XXXXXXX XXX XXXXXXXXXX XX $XXXX

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

4000108506

Closed

2026-01-23 12:14

2026-02-18 08:22

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated with wire confirmation for gift funds totaling XXXk - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Loan Disb Worksheet showing all the gifts rec. It also shows we have sufficient reserves after the funds brought in - Seller-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Reserves are not sufficient due to missing wire confirmations for the gift fund letters in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Loan Disb Worksheet showing all the gifts rec. It also shows we have sufficient reserves after the funds brought in - Seller-XX/XX/XXXX

XXXX XXXXXXXXXXXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000108506

Closed

2026-02-11 14:21

2026-02-18 06:30

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Received updated XXXX borrower is NP resident. Updated XXXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-XXXX states perm resident. However only have Employment Visa based on guidelines need the I XXX Perm Resident Card. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Received updated XXXX borrower is NP resident. Updated XXXX - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000108506

Closed

2026-01-23 12:01

2026-02-11 13:01

XXXXXXXX

1 - Information

Credit

Missing Doc

Asset 3 Missing

Resolved-Updated asset page X,XXX in gift funds was not used - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-UW push back - The $Xk gift was not used in this transaction. - Seller-XX/XX/XXXX
Counter-Need wire confirmation for gift funds in the amount of X,XXX have gift letter in file for that amount as well - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Loan Disb Worksheet showing all the gifts rec. It also shows we have sufficient reserves after the funds brought in - Seller-XX/XX/XXXX
Open-Need the wire confirmations for the gift funds for XX,XXX,X,XXX,XXX,XXX,XX,XXX,XX,XXX,XX,XXX,XX,XXX multiple gift letters in file with no wire confirmation for the X gift letters in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-UW push back - The $Xk gift was not used in this transaction. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Loan Disb Worksheet showing all the gifts rec. It also shows we have sufficient reserves after the funds brought in - Seller-XX/XX/XXXX

Resolved-Updated asset page X,XXX in gift funds was not used - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXXXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000108506

Closed

2026-01-21 00:07

2026-01-30 13:15

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Received updated DOT with date of X/X/XXXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Corrected Notary Date - Seller-XX/XX/XXXX
Open-The Deed of Trust is Missing The provided DOT document Notary date is reflecting as "XX/XX/XXXX" however the note date & Security instrument date as per DOT is "XX/XX/XXXX". Provide an updated DOT document . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Corrected Notary Date - Seller-XX/XX/XXXX

Resolved-Received updated DOT with date of X/X/XXXX - Due Diligence Vendor-XX/XX/XXXX

XXX-XXXXXXXX_XXX-XX-XXXXXX-XX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000109083

Closed

2026-01-21 22:23

2026-01-29 01:53

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Income Qualified with XX months business bank statements , Dec-XXXX Bank Statements missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower X Business Bank Statements Missing Loan is qualified with XX months bank statements but bank statement of XX/XX/XXXX-XX/XX/XXXX is missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

XXX XXXXXXXX XXXXX_XXXX-XX-XX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000110218

Closed

2026-01-22 03:32

2026-01-27 14:39

XXXXXXXX

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-received executed DOT - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Executed Deed of Trust - Seller-XX/XX/XXXX
Open-The Deed of Trust is Not Executed The Deed of Trust is Not signed by the borrower - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Executed Deed of Trust - Seller-XX/XX/XXXX

Resolved-received executed DOT - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXXXXX XXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000109611

Closed

2026-01-22 23:05

2026-01-28 21:52

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000111614

Closed

2026-01-23 08:41

2026-01-29 07:44

XXXXXXXX

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX with AUS - Seller-XX/XX/XXXX
Open-per GLs AUD is required to determine ineligibility Desktop underwriter not in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX with AUS - Seller-XX/XX/XXXX

Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX.XXX
XXXXXXXXXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111614

Closed

2026-01-22 23:36

2026-01-28 00:31

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000108997

Closed

2026-01-28 00:02

2026-02-02 07:04

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Lock Price changed, loan discount fees changed - Seller-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee has increased to $XX,XXX.XX on final CD issued on XX/XX/XXXX without a valid COC or lender credit - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Lock Price changed, loan discount fees changed - Seller-XX/XX/XXXX

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

XXX X-XX.XXX
XXXX XXXXXXXXXXXXX X-XX.XXX
XXXX XXXXXXXXXXXXX X-XX.XXX
XXX X-XX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000109624

Closed

2026-01-27 23:22

2026-01-30 00:11

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X low uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000111403

Closed

2026-01-28 01:30

2026-02-10 06:53

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. COC letter and revised LE. This discloses the float to lock and changes in discount points. And this LE was signed on X/X (see below), so they did receive it X days prior to consummation date - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Valid COC required. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. COC letter and revised LE. This discloses the float to lock and changes in discount points. And this LE was signed on X/X (see below), so they did receive it X days prior to consummation date - Seller-XX/XX/XXXX

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

XXXXXXXX XXXXXX XX XXXXXXXXXXXX XXXXXX XXX XXXX.XXX
XXXXXXXX XXXX XXXXXXXX-XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000111403

Closed

2026-01-28 01:30

2026-02-10 06:40

XXXXXXXX

1 - Information

Compliance

TRID

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

Resolved-. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. COC letter and revised LE. This discloses the float to lock and changes in discount points. And this LE was signed on X/X (see below), so they did receive it X days prior to consummation date - Seller-XX/XX/XXXX
Open-A revised Loan Estimate was provided on (XXXX-XX-XX) via (InPerson). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XXXX-XX-XX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XXXX-XX-XX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XXXX-XX-XX). (XX CFR XXXX.XX(e)(X)(ii)) . - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXX XXXXXX XX XXXXXXXXXXXX XXXXXX XXX XXXX.XXX
XXXXXXXX XXXX XXXXXXXX-XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000111231

Closed

2026-01-29 00:29

2026-03-19 16:18

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Reviewed initial XXXX and ensured system date matched. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX
Open-Provide initial XXXX with borrower signature. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Reviewed initial XXXX and ensured system date matched. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111231

Closed

2026-01-29 09:48

2026-02-23 07:43

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX with the UDM showing the Toyota Tradeline - Seller-XX/XX/XXXX
Counter-Liability breakdown received and utilized to update system. Provide credit supplement or equivalent for Toyota account and revised final XXXX matching the breakdown sheet provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Here is the breakdown for our Obligations

- Seller-XX/XX/XXXX
Counter-The XXXX provided has all other monthly payments of $X,XXX.XX with DTI of XX.XX% and we have $X,XXX with DTI of XX.XX%. Provide a detailed liability sheet for the $X,XXX.XX and revised XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX with Tax cert - Seller-XX/XX/XXXX
Counter-The property tax and all other monthly liabilities increased on the provided XXXX. Provide the property tax cert and schedule of liabilities identifying the increase. - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide a revised XXXX with updated credit score. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX with the UDM showing the Toyota Tradeline - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Here is the breakdown for our Obligations

- Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX with Tax cert - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX

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

XXXX.XXX
XXXX.XXX
XXXXXXXX XXX XXXXXXXXXXX.XXX
XXXXXX XXXXXXXXX XXX XXX XXXXXXXXXXX.XXX
XXX - XXXXXX XXXXXXXXX.XXX
XXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111231

Closed

2026-01-28 22:47

2026-02-02 03:05

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX ) shows an uncleared alert. The required clear fraud report is missing from file.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000109596

Closed

2026-01-30 02:42

2026-03-03 16:21

XXXXXXXX

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Net rental income on XXXX & XXXX matches. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX/XXXX - There is rental income being used but not enough to fully cover the PITIA so both properties are being hit with a negative rent - Seller-XX/XX/XXXX
Counter-Provide a revised XXXX with the correct net monthly rental income in section Xb per the lox provided for XXX XXXX and a revised XXXX updating the net rental income. Per the LOX provided their is no rental income and only net rental loss which appears accurately captured in the "all other payments used in qualifying" liabilities section of the XXXX based on the LOX data. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The $XXXX.XX on the XXXX is from the negative rents from the REO properties and on the URLA Xa & Xb are correct which is also supported by screen shot attached - Seller-XX/XX/XXXX
Counter-Advise where the $X,XXX.XX on the obligation sheet provided is derived from and confirm section Xa & Xb of the provided XXXX are accurate. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Other obligations is including the rent loss - see attached snippets

- Seller-XX/XX/XXXX
Counter-The XXXX provided is not accounting for the net rental income correctly. The total income and all other liabilities section of the XXXX is not calculating accurately, thus creating a DTI discrepancy. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX/XXXX – I am showing a rent loss for both properties hence the higher DTI. - Seller-XX/XX/XXXX
Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%. difference is due to the rental income and all other monthly expenses, our calculated rental income is $XXXX.XX (REO property XXXX Guardian Avenue -$XXX.XX + XXX XXXX $XXXX.XX = $XXXX.XX) our total calculated income is $XXXX.XX + $XXXXX.XX = $XXXXX.XX whereas underwriter used income only $XXXXX.XX and our calculated all other monthly payment is $XX whereas underwriter used $XXXX.XX. The XXXX on page XXXX net rental income is not included in the total income. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX/XXXX - There is rental income being used but not enough to fully cover the PITIA so both properties are being hit with a negative rent - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. The $XXXX.XX on the XXXX is from the negative rents from the REO properties and on the URLA Xa & Xb are correct which is also supported by screen shot attached - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Other obligations is including the rent loss - see attached snippets

- Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX/XXXX – I am showing a rent loss for both properties hence the higher DTI. - Seller-XX/XX/XXXX

Resolved-Net rental income on XXXX & XXXX matches. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXXX.XXX
XXXXXX XXXXX XXXXXXXXXXX XX XXXXXXXXX XXX XXXX XXXX.XXX
XXXXXX XX XXX.XXX
XXXX.XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109596

Closed

2026-02-02 14:53

2026-02-10 09:44

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX
Open-Title Document is Incomplete Provide title supplement indicating proper coverage for the loan amount or signed CPL prior to closing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXXXX XXXXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000107585

Closed

2026-02-03 10:18

2026-02-04 06:02

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

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

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

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

XXXXXXXXXXXX X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000113255

Closed

2026-02-02 07:54

2026-02-13 08:46

XXXXXXXX

1 - Information

Credit

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

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The uploaded highlighted sections on the pay history indicate the mortgage company paying out. The tax cert in file shows a tax installment paid out X/XX/XX – and the amount matches the combined $XXXX.XX + $XXX.XX of $XXXX.XX. Next due amount indicated was $XXXX.XX – which matches exactly the amount paid on X/XX/XX. The recurring $XX.XX out is presumably then the insurance, which would be negligible since it’s a condo. Being that these amounts are paid out of the trust account, which is the escrow account – I would support that we have enough here. The HOA fees are $XXXX/month, which would cover the Master insurance portion for this condo I am certain. Please clear this finding as presented, thank you. - Buyer-XX/XX/XXXX
Open-Missing tax and insurance documents for the XXXX X XXX XXXXX XXXD. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXXXX.XXX

XXXXXXXXX XXXXXXXX XX XXXXXXX XXX XXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XXXXXXX XX XXXX X XXX XXXXX XXXX.

Investment

Purchase

XXXX

N/A

XXXX

4000113255

Closed

2026-02-02 00:17

2026-02-11 00:28

XXXXXXXX

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD rider not required, info available on DOT page clause XX. Hence resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-PUD riders are not provided on investment property loans as the PUD information is found in the body of the documents. Please rescind this finding, thank you - Buyer-XX/XX/XXXX
Open-PUD Rider is Missing Missing PUD rider in file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-PUD rider not required, info available on DOT page clause XX. Hence resolved
- Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXX

N/A

XXXX

4000113601

Closed

2026-02-02 23:44

2026-02-06 13:20

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000111407

Closed

2026-02-03 00:34

2026-02-06 08:22

XXXXXXXX

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Document Uploaded. Updated XXXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX
Open-Audited DTI is XX.X% and lender DTI is XX.XX%. The difference is X.XX%.

The discrepancy occurs because the lender double‑counted the REO mortgage payment of $X,XXX in their calculation. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Document Uploaded. Updated XXXX - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000111407

Closed

2026-02-03 00:27

2026-02-06 04:37

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109621

Closed

2026-02-05 04:33

2026-02-09 11:32

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000109566

Closed

2026-02-06 01:02

2026-03-03 16:57

XXXXXXXX

1 - Information

Credit

Missing Doc

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

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide use of funds access letter for XXX accounts #XXXX, #XXXX, #XXXX, #XXXX. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109566

Closed

2026-02-06 00:34

2026-02-17 08:41

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-Insurance & property tax statements provided supporting figures on XXXX for REO property. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The $XXX.XX is the taxes and insurance for XXXX XXXXXXX XXXXX XX - Seller-XX/XX/XXXX
Counter-Taxes received. Provide additional documentation to support the XXX.XX stated on the XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Taxes - Seller-XX/XX/XXXX
Open-Per the final XXXX, the taxes and insurance for the REO property located at XXXX XXXXXXX XXXXX are listed as $XXX.XX. Provide supporting documentation to validate this amount, as it is not currently included in the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The $XXX.XX is the taxes and insurance for XXXX XXXXXXX XXXXX XX - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Taxes - Seller-XX/XX/XXXX

Resolved-Insurance & property tax statements provided supporting figures on XXXX for REO property. - Due Diligence Vendor-XX/XX/XXXX

XXXXX.XXX
XXXXX.XXX
XXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109566

Closed

2026-02-06 01:08

2026-02-10 03:00

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fraud Report
- Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) has an uncleared alert. Provide the updated report. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000114874

Closed

2026-02-06 02:56

2026-02-13 01:34

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Per the XX XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109592

Closed

2026-02-09 04:40

2026-02-25 14:06

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PCCD and Refund cover letter.
Tolerance cure check - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit decreased from $XXX in Revised LE page XXX to $X in Final CD page XXX, Provide COC for final cd to cure this fee. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PCCD and Refund cover letter.
Tolerance cure check - Seller-XX/XX/XXXX

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

XXXXXXX XXXX XXX XXXXXX XXXXX XXXXXX.XXX
XXXXXXX_XXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000109592

Closed

2026-02-09 03:29

2026-02-16 21:46

XXXXXXXX

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-XXXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXX XXX - XXX score of X - Seller-XX/XX/XXXX
Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXX XXX - XXX score of X - Seller-XX/XX/XXXX

Resolved-XXXXXXX XXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX - XXXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116133

Closed

2026-02-19 03:35

2026-03-19 05:17

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Both loans were originated with XXXXXXXXX Mortgage. We were fully aware that the borrower had two concurrent transactions with us — one being a cash-out refinance and the other being this loan.

We understood that the borrower intended to use the proceeds from the cash-out refinance as part of this transaction. With that in mind, we confirmed that the borrower qualified for this loan as a stated borrower and had the required assets in place upon completion of the cash-out refinance.

This is a Simultaneous Closing (SIMO), which is a common and accepted practice in the mortgage industry. A SIMO is a real estate transaction in which two back-to-back deals occur on the same day — the seller creates a mortgage note to finance a buyer, then immediately sells that note to an investor for cash. This allows the seller to receive funds promptly while the buyer obtains the property title.

Please see the attached signed and completed Closing Disclosure (CD) from the cash-out refinance, and kindly clear this finding accordingly.

Based on the above, we respectfully request that this finding be cleared. - Buyer-XX/XX/XXXX
Counter-CD provided has a close date of X/X which is the same date the subject loan closed. Assets should be reviewed prior to approval with proof. Provide asset documentation of proper reserves prior to closing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Rebuttal - Borrower has a final CD from refi of other property owned - $XX+ in assets, more than enough to cover reserves. Please clear at your earliest convenience! - Buyer-XX/XX/XXXX
Open-Audited Reserves of X.X month(s) are less than XXXXXXXXX Required Reserves of X month(s) Borrower has not provided sufficient assets to meet the required reserves. No assets provided in file and not a cash out refi. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXX XX XXXX XXXXX XXXX XXXXXX XXXX.XXX
XXXXXXXXXX_XXXXXXX_XX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111797

Closed

2026-02-12 07:19

2026-02-18 07:35

XXXXXXXX

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed is missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XX XXXXXX XX XXXXXXX XXXX XXXX XXXXXXXXXXX.XXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111797

Closed

2026-02-12 07:19

2026-02-18 04:49

XXXXXXXX

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE Missing in file, provided the same , changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Initial loan estimate is missing in file and any revised LEs and/or Change of circumstances that may be missing in file as well - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Initial LE Missing in file, provided the same , changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX & XXXXXXX XXX.XXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111797

Closed

2026-02-12 07:18

2026-02-18 04:49

XXXXXXXX

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial CD Missing in file, provided the same , changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-TRID: Missing Closing Disclosure Initial CD is missing in file, as occupancy is secondary home we need initial CD. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Initial CD Missing in file, provided the same , changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

XX X_XX.XXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111797

Closed

2026-02-12 07:20

2026-02-18 04:42

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-SPL Missing in file, provided the same , changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Service provider list is missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-SPL Missing in file, provided the same , changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXX XXXX.XXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111797

Closed

2026-02-12 05:12

2026-02-18 03:40

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Initial XXXX is Missing Borrowers signed initial XXXX is missing in file for XXXX X - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX XXXXX_XXXX_XXXX_XXXX-XX-XX.XXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111402

Closed

2026-02-12 09:37

2026-02-18 06:46

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Initial XXXX is Missing Borrowers signed initial XXXX is missing in file for XXXXX X - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXX XXXX_XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000111413

Closed

2026-02-18 16:28

2026-02-20 10:35

XXXXXXXX

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Loan Discount Fee (Fee ID: 998)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Loan Discount Fee (Fee ID: XXX) to be charged to the Borrower in XX. Loan Failed XX Fee Not Allowed- Loan Discount Fee. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Primary Residence

Purchase

XXXX

N/A

XXXX

4000114057

Closed

2026-02-20 13:48

2026-02-24 06:30

XXXXXXXX

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Initial Cd provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXX XX - XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000115221

Closed

2026-02-19 23:34

2026-02-25 02:37

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Updated Hazard Insurance Policy with policy number uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Policy Partially Provided Policy number is missing in given hazard document page #XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000117352

Closed

2026-02-19 23:00

2026-03-02 07:12

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Resolved-COC provided to clear increase in fees - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The total amount of the XX% category fees ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Document Preparation Fee, Settlement or Closing Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Document Preparation Fee added for $XXX, Settlement or Closing Fee increased by $XXX on the final CD without a valid COC or lender credit - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-COC provided to clear increase in fees - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

XXX X-XX.XXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000115309

Closed

2026-02-24 14:00

2026-02-25 12:57

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX
Open-Final HUD-X Document is Missing. Hud in file is not showing prior mortgage being paid off and borrower receiving over XXXk at closing. Need the fully executed final hud. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXX XXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000115309

Closed

2026-02-23 22:08

2026-02-25 03:13

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000113000

Closed

2026-02-25 02:01

2026-03-07 09:48

XXXXXXXX

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Note is Not Executed Borrower X signature is missing in note document, we need signed note by borrower X. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000113000

Closed

2026-02-25 01:54

2026-03-07 09:47

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Final XXXX is Incomplete We have final XXXX signed by both borrowers but date signed is missing on final XXXX.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116250

Closed

2026-02-26 01:49

2026-03-03 07:22

XXXXXXXX

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Signature is missing in provided Intent to procced #XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXX- XXX XXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116250

Closed

2026-02-26 01:49

2026-03-02 22:38

XXXXXXXX

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

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

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

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

XXXXXXX XX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116250

Closed

2026-03-02 22:31

2026-03-02 22:36

XXXXXXXX

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116250

Closed

2026-03-02 22:31

2026-03-02 22:36

XXXXXXXX

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

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

Primary Residence

Purchase

XXXX

N/A

XXXX

4000112282

Closed

2026-02-27 13:03

2026-03-05 06:52

XXXXXXXX

1 - Information

Credit

Missing purchase contract and/or addendums.

Resolved-Addendum provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing addendum reflecting sales price of $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000115493

Closed

2026-03-03 14:41

2026-03-10 06:34

XXXXXXXX

1 - Information

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Asset X Does Not Meet Guideline Requirements Cash proceeds from real estate property XXXX XXXXX street on pg XX does not reflects borrower as owner. No supporting documentation in file reflecting borrower is owner of property - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000116477

Closed

2026-03-04 03:48

2026-03-06 02:52

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are Uncleared alerts in fraud report, Provided updated Fraud Report, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-There are Uncleared alerts in fraud report, Provided updated Fraud Report, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116477

Closed

2026-03-04 03:25

2026-03-05 00:12

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation (FNMA SSR) Provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fannie SSR -CU score of X - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fannie SSR -CU score of X - Seller-XX/XX/XXXX

XXXXX_XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000116460

Closed

2026-03-06 09:48

2026-03-11 07:01

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Per note there are no prepayment terms, missing lock confirmation in file reflecting no prepay terms - Due Diligence Vendor-XX/XX/XXXX

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

XXXX XXXXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000116460

Closed

2026-03-05 21:20

2026-03-11 04:30

XXXXXXXX

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Executed Business Purpose Affidavit uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose affidavits is not executed - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXX XXXXXXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000116983

Closed

2026-03-05 19:59

2026-03-12 02:37

XXXXXXXX

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Updated Hazard Insurance policy uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000116983

Closed

2026-03-05 20:29

2026-03-12 01:12

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final Settlement Statement Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Final HUD-X Document is Missing. Final HUD-X/ CD Document Missing in the file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000114615

Closed

2026-03-05 04:37

2026-03-18 06:48

XXXXXXXX

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-XXXX reflects Fico score of XXX however per credit report using Fico method Primary wage earner Fico score is XXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-please specify what credit liabilities page are you referring to? - Seller-XX/XX/XXXX
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' but the qualifying FICO from the credit liabilities Page is 'XXX'
. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-please specify what credit liabilities page are you referring to? - Seller-XX/XX/XXXX

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

XXXX - XXXXXXXXXXX XXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000115756

Closed

2026-03-05 04:45

2026-03-09 03:35

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX
Open-The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000119506

Closed

2026-03-10 01:27

2026-03-13 04:49

XXXXXXXX

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-There are Uncleared alerts in Fraud Report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX
Open-Provide updated Third fraud report which shows uncleared alerts as it is missing in file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-There are Uncleared alerts in Fraud Report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000118470

Closed

2026-03-11 23:35

2026-03-30 07:03

XXXXXXXX

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-Per guidelines- If the appraisal is marked as “Subject To” rather than “As Is” then the required work must be completed prior to closing with a XXXX. the photos provided does not reflect a date of when the smoke detectors were installed. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached photos proving smoke detectors and Carbon monoxide detectors installed - Seller-XX/XX/XXXX
Open-XXXX Completion Report is Missing Per guidelines on page XX If the appraisal is marked as “Subject To” rather than “As Is” then the required work must be completed prior to closing with a XXXX and photos being provided to confirm the repairs have been made. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. attached photos proving smoke detectors and Carbon monoxide detectors installed - Seller-XX/XX/XXXX

Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX.XXX
XXXXX XXXXXXX XXXXX XXX XX XXXXXXXXX.XXX
XXXXX XXXXXXXX_XXXX_XXXXXXXX_XXX_XXXXXXXXX_XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000116200

Closed

2026-04-07 11:54

2026-04-28 06:34

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-LTV is at XX% only requires X months if at XX% requires X months - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset statements attached show sufficient reserves
- Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Asset statements attached show sufficient reserves - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Asset statements attached show sufficient reserves - Seller-XX/XX/XXXX

XXXX XXXXXXXXX #XXXX.XXX
XXXXXXXX XXXX XXXXXXXXX #XXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000118338

Closed

2026-03-16 04:56

2026-03-19 11:14

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required received Freddie SSR - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide updated Secondary Valuation report with acceptable CU scores. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000118338

Closed

2026-03-16 04:33

2026-03-19 10:07

XXXXXXXXXXXX

2 - Non-Material

Credit

Spousal Consent Missing

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

Acknowledged-Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Post-Close

XXXX

4000117968

Closed

2026-03-16 03:31

2026-03-23 03:30

XXXXXXXX

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-There are Uncleared alerts in fraud report, provided updated fraud report, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX
Open-Provide Third Party fraud report with Uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-There are Uncleared alerts in fraud report, provided updated fraud report, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000117968

Closed

2026-03-16 03:18

2026-03-23 03:30

XXXXXXXX

1 - Information

Credit

DSCR Does Not Meet Guideline Requirement

Resolved-DSCR Does not meet GL Requirements, as there is variance in Insurance value in XXXX, provided updated XXXX with correct insurance value, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX
Open-Originator considered tax amount as $XXXX but the actual tax amount to be considered is $XX, due to this there a variance in DSCR ratio - Due Diligence Vendor-XX/XX/XXXX

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

XXXX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000117968

Closed

2026-03-16 03:26

2026-03-23 03:28

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Incorrect Insurance value in XXXX, provided updated XXXX, changes made in system, Finding Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Provide updated XXXX document as property taxes are reflecting incorrect - Due Diligence Vendor-XX/XX/XXXX

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

XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000116480

Closed

2026-03-18 10:37

2026-03-24 03:22

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Requested asset utilization income calculator provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Asset Worksheet - Seller-XX/XX/XXXX
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income calculation worksheet for BX Income $X,XXX.XX qualifying with asset utilization income. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested asset utilization income calculator provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXX XXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000118871

Closed

2026-03-23 06:29

2026-03-30 01:28

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX
Open-Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000118871

Closed

2026-03-23 06:07

2026-03-27 08:36

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX
Open-Final HUD-X Document is Missing. Final signed & stamped HUD-X Document not in file. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000118869

Closed

2026-03-29 03:16

2026-04-22 05:26

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy Number is missing in Hazard Insurance. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000122995

Closed

2026-03-31 03:38

2026-04-01 12:41

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing a secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000122995

Closed

2026-03-31 12:15

2026-04-01 12:37

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Clear fraud report received and entered into system. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX
Open-Provide a fraud report with cleared alerts. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Clear fraud report received and entered into system. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000121373

Closed

2026-03-31 11:33

2026-04-20 00:26

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Hazard Insurance Policy Hazard insurance policy is missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXX XXXXXX.XXX

Second Home

Purchase

XXXX

N/A

XXXX

4000117242

Closed

2026-03-31 03:52

2026-04-22 14:12

XXXXXXXX

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX
Resolved-Property is F&C per provided HOI which has no mortgagee. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXX Walnut has no mortgage. Please find HOI with no mortgagee and satisfaction, thank you - Buyer-XX/XX/XXXX
Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage Or Current Rent History considered XX months but unable to verify Free and clear information on the property. Fraud report page XXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX
Resolved-Property is F&C per provided HOI which has no mortgagee. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXX X.X.XXXX.XXX
XX XXXXXXXXX XX XXX - XX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000121255

Closed

2026-04-01 23:03

2026-04-07 00:40

XXXXXXXX

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX
Open-Third Party Fraud Report not Provided - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117809

Closed

2026-04-13 03:03

2026-04-27 06:06

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Requested Settlement statement provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. Closing date is XX/XX/XXXX whereas the settlement statement lists XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Settlement statement provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117841

Closed

2026-04-13 14:46

2026-04-17 07:14

XXXXXXXX

1 - Information

Credit

Missing initial application

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded initial loan application - Seller-XX/XX/XXXX
Open-The Initial Application is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded initial loan application - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXXX XXXX XXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117808

Closed

2026-04-21 08:58

2026-05-02 12:39

XXXXXX

2 - Non-Material

Credit

DSCR Does Not Meet Guideline Requirement

Waived-Credit exception of DSCR under X.X per guidelines with compensating factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX XX - Uploading updated CM reflecting DSCR exception approval with compensating factors. - Seller-XX/XX/XXXX
Open-DSCR Does Not Meet Guideline Requirement. Calculated DSCR is X.XXX (Lease amount of $X,XXX / $X,XXX.XX PITIA = X.XXX). Discrepancy due to hazard insurance premium amount; HUD1 reflects $XXX.XX while Credit Memo reflects $XX.XX. Per guidelines, borrower does not qualify with a DSCR under X.X. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX XX - Uploading updated CM reflecting DSCR exception approval with compensating factors. - Seller-XX/XX/XXXX

Waived-Credit exception of DSCR under X.X per guidelines with compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXXXX XX.XXX

XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.
$XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117808

Closed

2026-04-13 04:49

2026-04-21 08:12

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Proof of hazard insurance not found in file (including rent loss coverage). - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117808

Closed

2026-04-17 08:36

2026-04-21 08:12

XXXXXXXX

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Resolved-Effective date confirmed X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Effective Date in the Flood Insurance is before our Funding Date. Please rescind finding. - Seller-XX/XX/XXXX
Open-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Effective Date in the Flood Insurance is before our Funding Date. Please rescind finding. - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117790

Closed

2026-04-06 23:26

2026-04-29 04:10

XXXXXXXX

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Requested RCE with reconstruction cost of $XXX,XXX.XX which is within the dwelling coverage amount of $XXX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Dwelling Coverage amount is $XXXXXX But Laon amount is $XXXXXX Which os Less than loan amount - Please Provide updated Insurance Document - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested RCE with reconstruction cost of $XXX,XXX.XX which is within the dwelling coverage amount of $XXX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX - XXX XXXXXXXX XX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117795

Closed

2026-04-13 02:55

2026-04-16 02:28

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing title document in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117796

Closed

2026-04-13 05:31

2026-04-29 11:37

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-Executed HUD provided to confirm cash-out funds for XXXXXXXXXX Drive - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded final HUD signed by borrower and one by title. Proof of receipt of funds is not needed per guidelines since XXXXXXXXXXXXX is a DBA of XXX and we funded the loan - Seller-XX/XX/XXXX
Counter-Unable to confirm source of funds for XXXXXXXXXX Drive. Per guidelines, certified copy of final HUD-X or equivalent settlement statement evidencing non-subject property refinance and loan proceeds is required. HUD in file is not executed. File must also contain evidence borrower/sponsor receipt of loan proceeds either via bank statement and/or transaction history or evidence of XXX/escrow /title receipt of loan proceeds.
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to pages XX- XX which contain statements for two months for both X of X accounts and pages XXX - XXX which contain two months of XXXXXXXXXX statements plus pages XX - XX contain a final HUD for XXXXXXXXXX Drive financed by XXX netting $XX,XXX.XX . X of X #XXXX $XXX,XXX.XX + X of X #XXXX $XX,XXX.XX + XXXXXXXXXX $XX,XXX.XX + HUD $XX,XXX.XX = $XXX,XXX.XX - Seller-XX/XX/XXXX
Open-Total required reserves for X-months ($XX,XXX.XX) plus cash-to-close of $XXX,XXX.XX for a total of $XXX,XXX.XX. Reserves short $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded final HUD signed by borrower and one by title. Proof of receipt of funds is not needed per guidelines since XXXXXXXXXXXXX is a DBA of XXX and we funded the loan - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to pages XX- XX which contain statements for two months for both X of X accounts and pages XXX - XXX which contain two months of XXXXXXXXXX statements plus pages XX - XX contain a final HUD for XXXXXXXXXX Drive financed by XXX netting $XX,XXX.XX . X of X #XXXX $XXX,XXX.XX + X of X #XXXX $XX,XXX.XX + XXXXXXXXXX $XX,XXX.XX + HUD $XX,XXX.XX = $XXX,XXX.XX - Seller-XX/XX/XXXX

XXXXXXXXXX _XXX XXXX XXXX XX XXXXXXXXX XXXXX - XXXXX XXXXXX.XXX
XXXXXXXXXX _XXX XXXX XXXX XX XXXXXXXXX, - XXXXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117796

Closed

2026-04-13 18:20

2026-04-29 09:33

XXXXXXXX

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded Tax Cert and XXXXXXX analysis of property taxes which support the amount used by underwriter - Seller-XX/XX/XXXX
Open-Confirmation of property taxes not provided in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded Tax Cert and XXXXXXX analysis of property taxes which support the amount used by underwriter - Seller-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX XXXX.XXX
XXXXXXXXXX_XXXXXXX XXXXXXXX XXX XXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117794

Closed

2026-04-13 07:07

2026-04-28 10:18

XXXXXXXX

1 - Information

Credit

Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA

Resolved-PDI received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-PDI received. - Due Diligence Vendor-XX/XX/XXXX

XXX - XXXXXXXXXX - XX XXXXXXXXX XXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117792

Closed

2026-04-14 01:36

2026-04-21 06:17

XXXXXXXX

1 - Information

Credit

Title

Title issue

Resolved-Scope of Work completed which is supported by appraisers' comments that upgrades have been done less than one year. Therefore, use of AIV is supported to establish LTV. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - Reloaded - Seller-XX/XX/XXXX
Counter-Please re-upload scope of work as it did not appear to upload. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - Uploaded Scope of Work completed which is supported by appraisers' comments that upgrades have been done less than one year. Therefore, use of AIV is supported to establish LTV. - Seller-XX/XX/XXXX
Open-Seasoning requirements are not meet which are less than X months of ownership - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - Reloaded - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - Uploaded Scope of Work completed which is supported by appraisers' comments that upgrades have been done less than one year. Therefore, use of AIV is supported to establish LTV. - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXX XX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117810

Closed

2026-04-10 02:40

2026-05-04 13:30

XXXXXX

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount is not less than XXXXXXXXX Minimum Loan Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX'X XXX XXXXXX XXXXX XX XX XXXXXX XXXXXX XXXX XXX XXXXXXXX XXX XXXX.
XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

6000117810

Closed

2026-04-12 08:08

2026-04-20 05:24

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Tax Cert

Resolved-The tax documentation provided is sufficient to confirm XXX's tax calculation. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded XXXXXXX analysis of property taxes, PTE and Tax Cert - Seller-XX/XX/XXXX
Open-The file does not contain evidence of $XXX.XX/month a month via the provided title commitment or tax certs. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded XXXXXXX analysis of property taxes, PTE and Tax Cert - Seller-XX/XX/XXXX

Resolved-The tax documentation provided is sufficient to confirm XXX's tax calculation. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX
XXXXXXXXXX_XXX XXXX.XXX
XXXXXXXXXX_XXXXXXX XXXXXXXX XX XXXXXXXX XXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117799

Closed

2026-04-13 05:24

2026-04-14 12:00

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117804

Closed

2026-04-13 22:33

2026-04-17 06:07

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Requested DOT provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Missing in file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested DOT provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117805

Closed

2026-04-13 04:30

2026-04-16 02:38

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Document Missing - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX-XXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117800

Closed

2026-04-13 04:59

2026-07-14 14:59

XXXXXXXX

1 - Information

Credit

Ownership Type Is Not Fee Simple

Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Document Uploaded. Ground rent redemption document provided. In combination with the Payoff listed on the XXX guidelines are fulfilled. - Due Diligence Vendor-XX/XX/XXXX
Open-Per XXXXXXXXX X.X.X for leasehold estates. The leasehold must be redeemed at or before closing. This must be documented with the Redemption Documentation and the Title report showing the leaseholder paid off. Per the XXX on page XXX the payoff is listed but the Redemption Document is not in the file at time of review. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXXX XXXX XXXX_XXXXXXXXXX XXXXXXX.XXX
XXXXXXXXXX_XXXXX XXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117800

Closed

2026-04-13 04:54

2026-04-21 04:08

XXXXXXXX

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Requested RCE document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Here is the RCE for this property. - Seller-XX/XX/XXXX
Open-Hazard Insurance Coverage Amount $XXX,XXX is less than Required Coverage Amount $XXXXXX. Provide HOI with sufficient dwelling amount. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Here is the RCE for this property. - Seller-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117803

Closed

2026-04-13 14:57

2026-05-01 08:21

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-System updated and meets borrower experience GL. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded REO Schedule - Seller-XX/XX/XXXX
Counter-GL section X.X experience documentation states a schedule of real estate is part of the documentation to confirm experience. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - XXX does not require REO schedules at this time. There are two profiles in the file; one has ownership over XX months. - Seller-XX/XX/XXXX
Open-Provide Schedule of REO as Loan Approval & Property report indicates experienced borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded REO Schedule - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - XXX does not require REO schedules at this time. There are two profiles in the file; one has ownership over XX months. - Seller-XX/XX/XXXX

Resolved-System updated and meets borrower experience GL. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117813

Closed

2026-04-07 01:48

2026-04-07 15:38

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117818

Closed

2026-04-06 23:46

2026-04-17 12:08

XXXXXX

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Credit exception due to loan amount acknowledged with compensating factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX
Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Per X/XX/XXXX guidelines, minimum loan amount for a single family rental is $XX,XXX. Note amount of $XX,XXX. No exception noted per Credit Memo. - Due Diligence Vendor-XX/XX/XXXX
Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Loan amount is $XX,XXX which is less than Guideline Minimum Loan Amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX

Waived-Credit exception due to loan amount acknowledged with compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXXX XXXX.XXX

XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX
$XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX.

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Post-Close

XXXX

6000117818

Closed

2026-04-06 22:00

2026-04-08 07:43

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Post-Close

XXXX

6000117837

Closed

2026-04-13 00:18

2026-04-20 08:57

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Acknowledged - Seller-XX/XX/XXXX
Open-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Acknowledged - Seller-XX/XX/XXXX

Investment

Delayed Purchase

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117840

Closed

2026-04-14 11:44

2026-04-17 07:04

XXXXXXXX

1 - Information

Property

Missing Doc

Missing Primary Appraisal

Resolved-The client has provided the appraisal report. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Primary Value has not been selected The loan file contains a copy of the appraisal report however the document is corrupt and can't be opened. The loan file is missing an appraisal report supporting a value of $XXX,XXX and market rents of $X,XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The client has provided the appraisal report. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117833

Closed

2026-04-10 06:43

2026-04-20 02:54

XXXXXXXX

1 - Information

Credit

Eligibility

Missing Property Tax Cert

Resolved-Requested Tax Cert Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded ChatGPT analysis of property taxes, PTE and Tax Cert - Seller-XX/XX/XXXX
Open-Evidence of tax via search or cert to confirm the projected $XXX/month is pending from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded ChatGPT analysis of property taxes, PTE and Tax Cert - Seller-XX/XX/XXXX

Resolved-Requested Tax Cert Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX
XXXXXXXXXX_XXXXXXX XXXXXXXX XX XXXXXXXX XXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117831

Closed

2026-04-13 07:25

2026-04-16 00:58

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117843

Closed

2026-04-13 07:05

2026-04-24 06:24

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Lender provided final settlement statement. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. Missing closing document in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided final settlement statement. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117830

Closed

2026-04-14 10:13

2026-05-04 08:43

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Business formation documents provided for the additional properties owned. Verifying that the guarantor is an owner of the business holding the additional experience properties. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Operating agreements and supporting docs for all pertinent entities - Seller-XX/XX/XXXX
Open-The guideline X.X | REQUIRED EXPERIENCE DOCUMENTATION states that each property profile must meet the following criteria: Be vested in the borrower/sponsor’s name; or if vested in another name, documentation must be provided to verify the borrower’s/sponsor’s ownership interest Entity documents verifying at least X% ownership/membership interest. Two of the three property reports provided are in the name of XXXX XXXX LLC however there is no documentation to support that the borrower has any ownership interest in the company. The loan file is missing evidence that the borrower has an ownership interest in XXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Operating agreements and supporting docs for all pertinent entities - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXX XX XXXXXXXXX XX XXXX XXXXXXXX XXXXXXXX.XXX
XXXXXXXXXX_XX - XXXX.XXX
XXXXXXXXXX_XXX - XX XXXX XXXXXXXX XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117836

Closed

2026-04-13 03:09

2026-04-17 03:39

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Updated credit memo provided reflecting Borrower has no experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting not experienced - Seller-XX/XX/XXXX
Open-As per Property Report, Property address XXX X XXXXXXXXXX XX was recorded on XX/XX/XXXX, Ownership not completed more than a year and hence borrower not met the experience with page#XXX-XXX, - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting not experienced - Seller-XX/XX/XXXX

Resolved-Updated credit memo provided reflecting Borrower has no experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117836

Closed

2026-04-13 00:15

2026-04-16 13:07

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Missing Provide the Deed of trust it is not available in the file. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXXXXX_XXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117822

Closed

2026-04-12 19:48

2026-04-17 07:04

XXXXXXXX

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Requested Entity documents provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded entity docs which contain the Articles of Organization - Seller-XX/XX/XXXX
Open-Entity Formation Doc Indicator is Missing. Provide Articles of Incorporation or comparable documents which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded entity docs which contain the Articles of Organization - Seller-XX/XX/XXXX

Resolved-Requested Entity documents provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117862

Closed

2026-04-14 13:02

2026-04-21 06:19

XXXXXXXX

1 - Information

Credit

Title

Property Title Issue

Resolved-The client provided the fully executed QCD. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Property Title Issue The loan file contains a copy of the Quit Claim Deed (pg XXX) however it is not executed. The loan file is missing the fully executed Quit Claim Deed transferring the property to the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The client provided the fully executed QCD. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXXXX X.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117879

Closed

2026-04-16 08:36

2026-05-06 15:13

XXXXXXXX

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Document Uploaded. Subject Disbursement Summary for XXX XXXXX XXXXXXX XXXXX provided verifying deposit of $XX,XXX.XX on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Counter-As per guidelines XX/XX/XX page XX / XX, for loan proceeds to be used When funded concurrently with XXX’s loan: Evidence of XXX escrow/title receipt of loan proceeds via: Subject property HUD-X or equivalent settlement statement with itemized amount received from refinance escrow, and Copy of wire and corresponding escrow deposit receipt. The Copy of wire and corresponding escrow deposit receipt is missing from file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X JM - Uploading the following: X. Final HUDX for refi proceeds from concurrent XXX loan#XXXXXXXXXX; X. Updated CM reflecting correct assets. - Seller-XX/XX/XXXX
Counter-Section X.X of guidelines states the requirements for utilizing proceeds from another transaction:

The cash-out refinance must close prior to or simultaneously with the mortgage
for the subject property:
• When funded prior to XXX’s loan:
o Certified copy of final HUD-X or equivalent settlement statement evidencing non-subject property refinance and loan proceeds, and
o Evidence borrower/sponsor receipt of loan proceeds either via bank statement and/or transaction history or evidence of XXX/escrow/title receipt of loan proceed - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per XXX guidelines, if the refinance proceeds used to qualifying assets come from another XXX refinance, proof of receipt is not required. - Seller-XX/XX/XXXX
Open-Asset Record X Does Not Meet G/L Requirements The evidence of receipt of funds from the Cash Out Refi page X is missing from file. As per guidelines XX/XX/XX page XX / XX, for loan proceeds to be used Evidence borrower/sponsor receipt of loan proceeds either via bank statement and/or transaction history or evidence of XXX/escrow /title receipt of loan proceeds. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/X JM - Uploading the following: X. Final HUDX for refi proceeds from concurrent XXX loan#XXXXXXXXXX; X. Updated CM reflecting correct assets. - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per XXX guidelines, if the refinance proceeds used to qualifying assets come from another XXX refinance, proof of receipt is not required. - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXXXXX XXX_XXXXXXXXXX.XXX
XXXXXXXXXX - XXXXXXX XX.XXX
XXXXXXXXXX - XXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXX_$XXXXX_XX XXXXXXXX XX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117879

Closed

2026-04-16 09:50

2026-05-01 08:19

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing letter of explanation

Resolved-Client clarification and documentation has been received and reviewed. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded LexisNexis report which shows the criminal activity referred to is traffic related and a misdemeanor. Nothing else is required. - Seller-XX/XX/XXXX
Open-The Lexis Nexis report page XXX shows the borrower has X Criminal findings, however no information is provided in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded LexisNexis report which shows the criminal activity referred to is traffic related and a misdemeanor. Nothing else is required. - Seller-XX/XX/XXXX

Resolved-Client clarification and documentation has been received and reviewed. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117879

Closed

2026-04-16 09:48

2026-04-24 07:11

XXXXXXXX

1 - Information

Property

Appraisal

Property/Appraisal General

Resolved-The appraisal was updated and provided to show the county as XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Appraisal reflects the Property is in XXXX County. The Taxes, Legal description and Title reflect the property is in XXXX county. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The appraisal was updated and provided to show the county as XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX_XXXX(XXXXXXXXXXXXX)-XX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117978

Closed

2026-04-15 06:15

2026-04-30 06:34

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the final HUD on Page X which indicates that the borrower received cash back in the amount of $X,XXX.XX. Therefore, verified assts in file cover the reserve requirement. - Seller-XX/XX/XXXX
Open-DSCR correspondent version XX/XX/XXXX required reserves is X months of the loan file total verified assets $XX,XXX.XX - cash to close requirement of $X,XXX.XX - Available assets for reserves $XX,XXX.XX, actual required $XX,XXX.XX - reserve short of -$X,XXX.XX. provide additional assets.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the final HUD on Page X which indicates that the borrower received cash back in the amount of $X,XXX.XX. Therefore, verified assts in file cover the reserve requirement. - Seller-XX/XX/XXXX

Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117988

Closed

2026-04-19 22:02

2026-05-01 11:58

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Lender provided HUD-X. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. HUD or settlement statement is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Lender provided HUD-X. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117988

Closed

2026-04-20 07:42

2026-05-01 08:03

XXXXXXXX

1 - Information

Credit

Missing purchase contract and/or addendums.

Resolved-Client clarification has been reviewed via the provided docs. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-As per XX/XX/XX guidelines page XX / XX Only for purchase transactions where the subject property is tenant-occupied at closing, documentation must
clearly confirm either the lease’s termination or assignment to the new property owner. The documentation of the Tenant Occupied units does not confirm either the lease’s termination or assignment to the new property owner. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Client clarification has been reviewed via the provided docs. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX XXXX & XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117992

Closed

2026-04-15 04:07

2026-04-27 11:04

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Reviewed credit report - Due Diligence Vendor-XX/XX/XXXX
Resolved-Requested Credit Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower X Credit Report is Missing. Borrower X Credit Report is Missing in loan file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117992

Closed

2026-04-15 04:21

2026-04-27 03:12

XXXXXXXX

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Requested Updated Hazard Insurance Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117989

Closed

2026-04-15 00:08

2026-04-29 04:14

XXXXXXXX

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-There is no overlays in guidelines to reduce LTV for rural properties hence updated LTV to XX% & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited LTV Exceeds Guideline LTV - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited LTV of XX.XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE -- Please note that up to XX% LTV is permitted by guidelines dated X/XX/XX with a FICO of XXX and DSCR greater than X. The borrowers FICO is XXX and the DSCR is X.XXX - Seller-XX/XX/XXXX
Open-Audited LTV Exceeds Guideline LTV As per Guidelines LTV should be XX% but audited LTV is XX.XX% exceeds Guideline LTV. Rural property.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE -- Please note that up to XX% LTV is permitted by guidelines dated X/XX/XX with a FICO of XXX and DSCR greater than X. The borrowers FICO is XXX and the DSCR is X.XXX - Seller-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117991

Closed

2026-04-22 08:28

2026-05-04 12:41

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided permanent resident card. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. The application reflects the borrower is a permanent resident alien. Missing permanent resident card. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided permanent resident card. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117991

Closed

2026-04-21 21:50

2026-05-04 12:31

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

6000117878

Closed

2026-07-01 15:11

2026-07-01 15:18

XXXXXX

2 - Non-Material

Credit

Property Type does not meet eligibility requirement(s)

Waived-Document Uploaded. Credit memo provided with an exception for the subject property acreage of XX.XX exceeding guideline maximum of XX. - Due Diligence Vendor-XX/XX/XXXX
Waived-Per Guideline X.X the maximum allowable acreage is XX acres. Appraisal in file ahs the property listed as larger than XX acres. - Due Diligence Vendor-XX/XX/XXXX

Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for acreage of XX.XX - XX/XX/XXXX

XXXXXX XXXX XXXXXXXXX.XXX

XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX
$XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

6000117878

Closed

2026-04-15 00:09

2026-04-15 06:45

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117939

Closed

2026-04-16 20:18

2026-05-02 13:54

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-Confirmed cash proceeds from XXXX to qualify for asset reserves.   - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Upload for subject transaction and HUD from XXXX; both HUDs reflect a disbursement date of X/XX/XX and are in your files - Seller-XX/XX/XXXX
Counter-Cash-out proceeds from XXXX XXXX received post-close (funds disbursed X/XX/XXXX and subject loan closed X/XX/XXXX).   - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded final HUD from CVX refi on another property to verify funds and corrected sizer - Seller-XX/XX/XXXX
Open-Per guidelines, total payment reserves of X-months ($X,XXX.XX) plus cash-to-close ($X,XXX.XX) for a total required reserve of $XX,XXX.XX. Verified reserves of $XXX.XX. Audited reserves short $XX,XXX.XX.   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Upload for subject transaction and HUD from XXXX; both HUDs reflect a disbursement date of X/XX/XX and are in your files - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded final HUD from CVX refi on another property to verify funds and corrected sizer - Seller-XX/XX/XXXX

XXXXXXX_XXXXX.XXX
XXXXXXX_XXXXX XXX XXXX XXX XXXX XXXX #XXXXXXX.XXX
XXXXXXX_XXXXXXXX XXX.XXX
XXXXXXX_XXXXXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117939

Closed

2026-04-15 06:35

2026-05-01 02:42

XXXXXXXX

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Uploaded the section of the prelim in the file that the UW based property taxes on for your convenience - Seller-XX/XX/XXXX
Open-Missing Evidence of Property Tax Missing evidence of property tax. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Uploaded the section of the prelim in the file that the UW based property taxes on for your convenience - Seller-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118008

Closed

2026-04-20 08:07

2026-04-30 13:25

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-The client provided the property report to complete the borrowers experience history. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile for XXXXX again - Seller-XX/XX/XXXX
Counter-There are no documents uploaded to review. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - Uploaded the property profile for XXXXX XXXXX - Seller-XX/XX/XXXX
Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file has X property reports showing part of the borrowers experience however the property report is missing for XXXXX XXXXX to show borrower has owned X properties in the last XX months. It should be noted that there is a property report that is corrupt and can't be opened but unknown what property the doc is for. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile for XXXXXagain - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - Uploaded the property profile for XXXXX XXXXX - Seller-XX/XX/XXXX

Resolved-The client provided the property report to complete the borrowers experience history. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XX - XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000118008

Closed

2026-04-20 08:15

2026-04-29 14:09

XXXXXXXX

1 - Information

Credit

Missing purchase contract and/or addendums.

Resolved-The client provided the sales contract which shows that assignment to borrower. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-As per XX/XX/XX guidelines X.X |TENANT LEASE DOCUMENTATION – PURCHASE TRANSACTIONS, only for purchase transactions where the subject property is tenant-occupied at closing, documentation must clearly confirm either the lease’s termination or assignment to the new property owner. The documentation on the sales contract does not clearly assign the leases to the new property owner just states that lease will be provided. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The client provided the sales contract which shows that assignment to borrower. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX XXXXXXXX & XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117994

Closed

2026-04-13 21:44

2026-04-24 04:47

XXXXXXXX

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Requested Secondary Valuation CU provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Secondary Valuation document is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Secondary Valuation CU provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXX XXXX XXXXXX .XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117993

Closed

2026-04-15 08:17

2026-04-23 07:16

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Document is Incomplete Title document provided does not have a proposed insurance amount. Unable to determine if there is sufficient title insurance coverage. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117973

Closed

2026-04-22 12:37

2026-05-06 14:32

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Letter of Explanation (Assets)

Resolved-Document Uploaded. Deposit of $XX,XXX.XX confirmed by HUD for XX XXXXXXXXX XX closed X/XX/XXXX.
Deposit of $XX,XXX from sale of XXXX XXXX XXXXXXX (ownership/value of asset provided to support). - Due Diligence Vendor-XX/XX/XXXX
Open-Large deposit made for $XX,XXX X/X/XXXX for account #XXXX. Large deposits of $XX,XXX X/X/XXXX and $XX,XXX.XX X/X/XXXX for account #XXXX. Per guidelines, verification required. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXXXXX XX XXXX XXXXXXX XXXXXXXXX.XXX
XXXXXXXXXX - $XXXXX_XX XXXXXXX.XXX
XXXXXXXXXX - XXX XXXXX_XXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117973

Closed

2026-04-21 23:46

2026-05-04 11:19

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title commitment provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Document is missing Title Document not found in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title commitment provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117904

Closed

2026-04-27 22:20

2026-05-05 12:12

XXXXXX

2 - Non-Material

Credit

Eligibility

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

Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Audited Reserves of X.XX month are less than Guideline Required Reserves of X month - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XXXXXX XXXXX XX XXX XX XX XXXXXX.
XXXXXXXX XXX XX XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX. XXXXXXXXXX XXXXXXX X XXXX XX X XXXXXXXXXX XX XXXXXXXXXX XX XX XXXXXXXXXX 'XXXXXXXXXXX'.

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

6000117974

Closed

2026-04-23 04:53

2026-04-30 03:26

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Requested credit report for XX provided, updated & condition resolved.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX XX - Uploaded joint credit report. - Seller-XX/XX/XXXX
Open-Borrower X Credit Report is Missing. Please provide. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX XX - Uploaded joint credit report. - Seller-XX/XX/XXXX

Resolved-Requested credit report for XX provided, updated & condition resolved.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXX XXXXXX XXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117870

Closed

2026-04-15 08:24

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

PA Prepayment Penalty Prohibited

Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXX

Originator Post-Close

XXXX

6000117935

Closed

2026-04-15 09:57

2026-04-27 06:43

XXXXXXXX

1 - Information

Credit

Purchase contract and/or addendums -

Resolved-The client provided the missing addendums to the sales contract. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - Uploaded requested riders - Seller-XX/XX/XXXX
Open-The loan file is missing two riders to the sales contract as noted under item X on page XXX. The loan file is missing the Appraisal Rider and the Brokers Compensation Rider to the sales contract. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - Uploaded requested riders - Seller-XX/XX/XXXX

Resolved-The client provided the missing addendums to the sales contract. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXX XXXXX.XXX
XXXXXXXXXX_XXXXXX XXXXXXXXXXXX XXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117919

Closed

2026-04-16 14:56

2026-04-30 08:34

XXXXXXXX

1 - Information

Credit

Missing non-subject rental income documentation

Resolved-Property profile shows XX month ownership of XXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded credit memo reflecting not experienced - Seller-XX/XX/XXXX
Open-No property profile provided for other owned properties showing XX month ownership vested in XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded credit memo reflecting not experienced - Seller-XX/XX/XXXX

Resolved-Property profile shows XX month ownership of XXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118031

Closed

2026-04-15 03:10

2026-04-24 03:49

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. HUDX/settlement statement not found in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117903

Closed

2026-04-14 02:04

2026-04-21 08:21

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Updated Credit memo provided which reflecting borrower has no Ownership Experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded Credit Memo reflecting not experienced - Seller-XX/XX/XXXX
Open-Credit Memo reports X properties for the experience. The Property reports provided only support X properties both for less than XX months. Requirement states a Xrd property or a longer ownership proof needed to validate the Experienced status for borrower. Properties on the reports are XXXX XXXXXX and XXXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded Credit Memo reflecting not experienced - Seller-XX/XX/XXXX

Resolved-Updated Credit memo provided which reflecting borrower has no Ownership Experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117867

Closed

2026-04-14 16:24

2026-04-17 11:09

XXXXXXXX

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Resolved-Gap in insurance verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXX_XXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117867

Closed

2026-04-12 23:28

2026-04-14 15:33

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Open-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. "Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties." - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXX

Originator Post-Close

XXXX

6000118021

Closed

2026-04-15 11:44

2026-04-27 05:34

XXXXXXXX

1 - Information

Credit

Assets not properly documented/insufficient

Resolved-Hud statements were provided for the refinancing of two other properties. Amounts to borrower were entered on the assets screen. Borrower had sufficient assets to close. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded two final HUD's to support additional assets and Credit Memo reflecting correct amount of assets - Seller-XX/XX/XXXX
Open-Asset statements in the file reflect a total verified balance of $XX,XXX.XX. The loan requires six (X) months of reserves, totaling $X,XXX.XX. In addition, the borrower is required to bring $XX,XXX.XX to closing. Based on the verified assets, there is a post‑close funds shortage of $XX,XXX.XX and a reserve shortfall of $X,XXX.XX. The credit memo references additional assets derived from bridge loan proceeds; however, documentation supporting these additional assets could not be located in the file. As such, the asset and reserve requirements are not supported with sufficient documentation at this time. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded two final HUD's to support additional assets and Credit Memo reflecting correct amount of assets - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXX XXX XXXX XXXXXXX XXXX.XXX
XXXXXXXXXX_XXXXX XXX XXXX XXXXXX XXXX.XXX
XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117933

Closed

2026-04-15 12:12

2026-05-04 12:05

XXXXXXXX

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - Wj - Uploaded OA again - Seller-XX/XX/XXXX
Counter-No documents provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - Uploaded requested OA - Seller-XX/XX/XXXX
Open-XXXXX XXXXX account #XXXX is in the business name of XXXXXX XXXXXXXX XXXXXXXXXX. Provide operating agreement for XXXXXX XXXXXXXX XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - Wj - Uploaded OA again - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - Uploaded requested OA - Seller-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XX - XXXXXX XXXXXXXX XXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117933

Closed

2026-04-13 05:42

2026-04-30 03:12

XXXXXXXX

1 - Information

Property

Property listed for sale in past 12 months

Resolved-Seasoning is not required as per lender guidelines but still lender provided scope of work document, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded scope of work - Seller-XX/XX/XXXX
Open- Subject Property is not meeting X Months Seasoning Requirements Borrower Purchased Property on XX/XX/XXXX
Date of Prior sale is XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded scope of work - Seller-XX/XX/XXXX

Resolved-Seasoning is not required as per lender guidelines but still lender provided scope of work document, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX XX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117933

Closed

2026-04-13 03:22

2026-04-20 03:28

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Requested updated hazard Insurance document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Policy Partially Provided Hazard insurance Document Provided in pG#XXX is Partial Due to Policy number is Missing in Document - Please Provide Updated insurance Document - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXX_XXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117864

Closed

2026-04-13 00:33

2026-04-14 14:44

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000118034

Closed

2026-04-15 02:37

2026-04-16 14:14

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Investor Post-Close

XXXX

6000118034

Closed

2026-04-15 03:51

2026-04-16 14:13

XXXXXX

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX.
$XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

6000117930

Closed

2026-04-15 12:51

2026-04-29 13:48

XXXXXXXX

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Inspection provided below. AS per management directive, The value of $XXX,XXX stands from the appraisal dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Counter-The Appraisal is completed as Subject To and the XXXX / updated Appraisal is missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXXXXX - Foundation reports attached. No XXXX is needed as the appraiser called for an inspection. - Seller-XX/XX/XXXX
Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and a Completion Report (XXXX) is Missing. XXXX Completion Report is Missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXXXX - Foundation reports attached. No XXXX is needed as the appraiser called for an inspection. - Seller-XX/XX/XXXX

Resolved-Inspection provided below. AS per management directive, The value of $XXX,XXX stands from the appraisal dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXX XXXXX - XXXXXX.XXX
XXXXXXXXXX XXXX XXXXX - XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117863

Closed

2026-04-15 13:36

2026-04-29 06:32

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-The client provided property reports to show experience. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded three property profiles plus the subject to support experience - Seller-XX/XX/XXXX
Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file contains one property report for the subject property that was purchased XX/XXXX. The loan file is missing evidence of the borrowers experience. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded three property profiles plus the subject to support experience - Seller-XX/XX/XXXX

Resolved-The client provided property reports to show experience. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XX - XXXX XXX.XXX
XXXXXXXXXX_XX- XXX XXX.XXX
XXXXXXXXXX_XX - XXXX XX..XXX
XXXXXXXXXX_XX - X XXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117967

Closed

2026-04-14 13:23

2026-04-22 04:59

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Clarification on the coverage including the XX months rental loss has been provided via finding and email. Coverage is sufficient to meet guideline parameters. - Due Diligence Vendor-XX/XX/XXXX
Counter-The declaration page provided on X/XX/XXXX indicates only dwelling coverage and liability coverage (coverage E &F) in the coverage summary and does not confirm the policy contains fair rental value (coverage D). Provide the declaration page evidencing the policy contains rental loss coverage. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Here is the email from our insurance department Manager, explaining on the rent loss. Rent Loss is for XX months. - Seller-XX/XX/XXXX
Counter-Provide the rent loss amount or coverage period. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Policy Partially Provided The policy provided on page XXX does not include rent loss as required by the GL section XX.X.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Here is the email from our insurance department Manager, explaining on the rent loss. Rent Loss is for XX months. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX_XXXXXXXXXXXXXX.XXX
XXXXXXXXXX_XXX.XXX
XXXXXXXXXX_XXXXXXXXXXXXXXXXX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118020

Closed

2026-04-16 14:56

2026-05-05 08:50

XXXXXXXX

1 - Information

Credit

Guarantor2 Citizenship is Foreign National

Resolved-Final application received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X XX - Uploaded updated final loan application reflecting primary home address located in XXXXXX. - Seller-XX/XX/XXXX
Open-Final application notes borrower X is a foreign national with a US address. Please advise. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/X XX - Uploaded updated final loan application reflecting primary home address located in XXXXXX. - Seller-XX/XX/XXXX

Resolved-Final application received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXXXX XXXXX XXXX XXXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118030

Closed

2026-04-27 11:24

2026-04-30 06:30

XXXXXXXX

1 - Information

Credit

Eligibility

Business Purpose Loan: Check if Signor is applicable per guideline

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided Certification and Authorization to Borrow which includes the resolution for the other party to act as authorized signer. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX XX - Uploaded Ceritifcation and Authorization to Borrow giving signing authority to XXX XXXXX (authorized signer) - Seller-XX/XX/XXXX
Open-Per guidelines dated X/XX/XXXX section X.X.X, a resolution is a written document created by authorized members, managers, partners, or officers of an entity to formally approve and permit specific actions, such as granting signing authority to an agent.
The closing docs were signed by an individual who is not the borrower. Missing a copy of the resolution. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX XX - Uploaded Ceritifcation and Authorization to Borrow giving signing authority to XXX XXXXX (authorized signer) - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXX_XXXX XX XXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118028

Closed

2026-04-14 13:54

2026-04-17 07:24

XXXXXXXX

1 - Information

Credit

W-9 Doc missing

Resolved-The client has provided the W-X. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The loan file is missing the W-X. The document "LnDocs - exec loan docs" is corrupt and can't be opened to verify document is there. The loan file is missing the signed W-X.. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The client has provided the W-X. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118028

Closed

2026-04-14 00:13

2026-04-17 03:41

XXXXXXXX

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested BPA Document provided, Updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. The loan file is missing the Business Purpose Affidavit Disclosure. The document "LnDocs - exec loan docs" is corrupt and can't be opened to verify document is there. The loan file is missing the signed Business Purpose Affidavit Disclosure. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXXXX_XXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117969

Closed

2026-04-14 01:29

2026-04-15 13:11

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117861

Closed

2026-04-13 23:19

2026-04-16 02:42

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount as per title document PG#XXX-XXX Title policy Coverage amount is XXXXXX but Loan amount is XXXXXX Which is Less than loan Amount Pleases Provide Updated Title Document - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117965

Closed

2026-04-24 10:19

2026-04-29 13:38

XXXXXXXX

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-The Inspection report was provided in file. The value stands at $XXX,XXX as of XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-XXXXX Completion Report is Missing - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The Inspection report was provided in file. The value stands at $XXX,XXX as of XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117971

Closed

2026-04-14 01:34

2026-05-01 09:05

XXXXXX

2 - Non-Material

Credit

Doc Issue

Missing asset documentation (ATR)

Waived- - Due Diligence Vendor-XX/XX/XXXX
Resolved-Exception approval provided for reserves being less than X months. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX
Open-Guidelines matrix XX-XX-XXXX states reserves are required to be X months since no lease is in place. Assets provided is $XX,XXX.XX. No cash-out refinance. Monthly PITIA of $X,XXX.XX with X months required equals $XX,XXX.XX. Leaving funds short for reserve requirement of $X,XXX.XX. Provide additional asset documents to meet required guideline reserves.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX

Resolved-Exception approval provided for reserves being less than X months. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX
XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Post-Close

Yes

XXXX

6000117860

Closed

2026-04-15 13:25

2026-04-30 06:12

XXXXXXXX

1 - Information

Property

Appraisal

Missing Core Valuation Product

Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided a copy of the appraisal. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-None of the Valuation entries contain core valuation types. Missing appraisal. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117894

Closed

2026-04-14 14:41

2026-04-21 08:10

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Commitment received covering loan amount. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-Title document not attached. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117982

Closed

2026-04-15 14:18

2026-04-29 06:08

XXXXXXXX

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Lender provided updated credit memo with correct guideline date. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting correct guideline date - Seller-XX/XX/XXXX
Open-The credit memo reflects UW guideline version date of XX/XX/XX, but there are no guidelines with that date. Missing updated credit memo with correct UW guideline version. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting correct guideline date - Seller-XX/XX/XXXX

Resolved-Lender provided updated credit memo with correct guideline date. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117964

Closed

2026-04-23 00:24

2026-05-02 13:02

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-HUD provided supports $XX,XXX.XX cash proceeds to support asset reserves. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX JM - Uploaded Final HUDX for concurrent funding of CVX loan XXXXXXXXXX to support cash out proceeds used as qualifying asset of $XX,XXX.XX. Total verified asssets including this account is: $XX,XXX.XX which is in excess of funds needed to qualify. - Seller-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) The guideline section XX/XX/XXXX Post-Closing Reserves for Refinance with lease in place requires X months of PITIA in reserves. The file contained verified assets totally $$X,XXX.XX (XXXXX XX/XX/XXXX $XXX.XX and XXXXXXXX XX/XX/XXXX $XXXX.XX). The PITIA $X,XXX.XX($$X,XXX.XX*X=$XXXX.X) cash to close is $XXXX.XX short by $XXXX.XX.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX JM - Uploaded Final HUDX for concurrent funding of CVX loan XXXXXXXXXX to support cash out proceeds used as qualifying asset of $XX,XXX.XX. Total verified asssets including this account is: $XX,XXX.XX which is in excess of funds needed to qualify. - Seller-XX/XX/XXXX

Resolved-HUD provided supports $XX,XXX.XX cash proceeds to support asset reserves. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXX XXX XXXXXXXX_XXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117999

Closed

2026-04-14 01:12

2026-04-29 03:32

XXXXXXXX

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Requested RCE with reconstruction cost of $XXX,XXX which is within the dwelling coverage amount of $XXX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open- As per hazard insurance Document PG#XXX Dwelling Coverage is $XXXXXX but Loan amount is $XXXXXX Which is Less than Loan amount
-Please update Hazard insurance Document - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested RCE with reconstruction cost of $XXX,XXX which is within the dwelling coverage amount of $XXX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118005

Closed

2026-04-15 16:05

2026-04-17 08:39

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Commitment X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Document is missing Title Commitment is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Title Commitment X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117859

Closed

2026-04-14 00:49

2026-04-15 16:04

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Post-Close

XXXX

6000117937

Closed

2026-04-13 23:32

2026-04-29 08:57

XXXXXX

2 - Non-Material

Credit

Assets

Asset Qualifications do not meet requirements

Waived-Exception approval for short post close reserves. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX
Open-Asset Qualification Does Not Meet Guideline Requirements Page XX Atlantic Union Bank xxXXXX balance $XXX.XX. Guidelines minimum X months post close reserves. Please provide additional asset documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX

Waived-Exception approval for short post close reserves. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

XXXX

6000117960

Closed

2026-04-14 03:17

2026-04-29 09:04

XXXXXX

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Credit exception provided for minimum loan amount of $XX,XXX with compensating factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX
Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Minimum loan amount per guidelines is $XX,XXX; loan amount is $XX,XXX. No exception found in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX

Waived-Credit exception provided for minimum loan amount of $XX,XXX with compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX
XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117924

Closed

2026-04-14 04:32

2026-04-15 17:43

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000118004

Closed

2026-04-14 14:37

2026-04-21 06:58

XXXXXXXX

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-The OFAC report on page XXX identifies the OFAC is clear, rectifying the OFAC fail on the Drive report. - Due Diligence Vendor-XX/XX/XXXX
Counter-Provide the OFAC report with the borrowers name variation cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The persons that are not cleared are not our borrower. The complete name of our borrower was run in the Drive report and cleared. - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts The Drive report on page XXX contains a fail for an OFAC alert. Provide a cleared update on the fraud report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The persons that are not cleared are not our borrower. The complete name of our borrower was run in the Drive report and cleared. - Seller-XX/XX/XXXX

Resolved-The OFAC report on page XXX identifies the OFAC is clear, rectifying the OFAC fail on the Drive report. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118004

Closed

2026-04-14 14:05

2026-04-20 07:21

XXXXXXXX

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded entity docs which include requested documents - Seller-XX/XX/XXXX
Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation, Operating Agreement and federal issue EIN# or comparable documents for XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded entity docs which include requested documents - Seller-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118027

Closed

2026-04-23 03:08

2026-04-29 13:53

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Acknowledged- Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Acknowledged - Seller-XX/XX/XXXX
Open-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Acknowledged - Seller-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117979

Closed

2026-04-20 01:00

2026-04-29 07:07

XXXXXXXX

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Document is missing The loan file is missing the title report with sufficient title coverage. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117922

Closed

2026-04-14 04:44

2026-04-21 02:04

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Requested Settlement statement Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. Final Closing Settlement document is Missing in Loan file - Please Update Final Closing Settlement - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Settlement statement Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117858

Closed

2026-04-14 00:25

2026-04-16 14:11

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117959

Closed

2026-04-16 13:45

2026-04-30 08:52

XXXXXX

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Client elects to waive with the following compensating factors. Max LTV for MD with a X% reduction is XX% for cash out. Actual LTV XX% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for LTV - Seller-XX/XX/XXXX
Open-Loan does not conform to program guidelines Max LTV for MD with a X% reduction is XX% for cash out. Actual LTV XX% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for LTV - Seller-XX/XX/XXXX

Waived-Client elects to waive with the following compensating factors. Max LTV for MD with a X% reduction is XX% for cash out. Actual LTV XX% - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX
XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

6000117958

Closed

2026-04-14 06:14

2026-04-21 04:05

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title coverage is less than loan amount, updated Title provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage $XXX,XXX is Less than Subject loan amount Total of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXX_XXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117921

Closed

2026-04-16 14:00

2026-04-22 07:00

XXXXXXXX

1 - Information

Credit

Insurance

Flood Insurance Minimum Coverage Not Met

Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Our Insurance Director has confirmed Dwelling and RCE shown in Flood EOI and our UW guidelines align with FDIC FDPA regulations. Please rescind finding - Seller-XX/XX/XXXX
Counter-Flood Insurance Coverage Amount does not meet minimum required coverage amount Flood policy does not meet the minimum coverage required. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. See Flood EOI, Replacement Cost of Dwelling $XXX,XXX shows right above the Dwelling Coverage. Please rescind this finding. - Seller-XX/XX/XXXX
Open-Flood Insurance Coverage Amount does not meet minimum required coverage amount Provide additional coverage to meet the loan amount. Also, provide the SFHA disclosure as it was not executed by the borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Our Insurance Director has confirmed Dwelling and RCE shown in Flood EOI and our UW guidelines align with FDIC FDPA regulations. Please rescind finding - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. See Flood EOI, Replacement Cost of Dwelling $XXX,XXX shows right above the Dwelling Coverage. Please rescind this finding. - Seller-XX/XX/XXXX

Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX.XXX
XXXXXXXXXX_XXXXXXXXXXXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXX_XXXXXXXXX_XXXXXXXX_XX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117921

Closed

2026-04-14 05:59

2026-04-21 06:41

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Credit Memo

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-CM updated in all screens in system. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Requested Credit memo provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide the Credit Memo. The file in the zip folder is corrupt. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Credit memo provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117857

Closed

2026-04-14 07:28

2026-04-22 02:13

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Requested closing document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. HUD or Settlement statement is missing from the loan file. Please provide the final fully executed settlement statement. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested closing document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117844

Closed

2026-04-23 22:17

2026-04-27 16:15

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

MI Prepayment Penalty Prohibited

Acknowledged-Per XXX XXXXXXX(X)(X), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117889

Closed

2026-04-16 12:41

XXXXXX

2 - Non-Material

Credit

Missing subject rental income documentation

Waived-Client elects to waive with the following compensating factors.
- Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.
XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.
$XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

6000117952

Closed

2026-04-22 02:24

2026-05-05 06:26

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Executed Final Settlement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. The loan file is missing the fully executed settlement statement. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Executed Final Settlement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117951

Closed

2026-04-21 23:23

2026-05-05 06:13

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Executed Final Settlement uploaded, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. The loan file is missing the fully executed settlement sheet. The settlement sheet must show that the borrower brought less then $XX,XXX ($XX,XXX.XX - $X,XXX.XX reserves) to closing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Executed Final Settlement uploaded, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117950

Closed

2026-04-23 23:03

2026-05-05 05:09

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-The client provided SS has been provided and reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Final HUD-X or Final Settlement Statement Document is Missing in the loan file, require document to verify - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The client provided SS has been provided and reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXX XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118001

Closed

2026-04-20 00:25

2026-05-01 06:01

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

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

Resolved-Lender provided HUD-X. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000118001

Closed

2026-04-20 00:41

2026-04-30 22:09

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Requested operating agreement for LLC provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded OA for XXXXXXXX XXXXXXXX and XXX XXXXXXXX - Seller-XX/XX/XXXX
Open-Per the matrix dated X/XX/XXXX, for experienced borrowers, yes is defined as borrower/sponsor property ownership within the past XX months: X. X properties, or X. X property with a minimum of XX- months ownership term.
X of the X properties submitted for proof of experience (XXX X XXXX XX and XXX X XXXX XX) are held by XXXXXXXX XXXXXXXX LLC and the other one XXX X XXXXXXXXXXX XXX has been owned less than XX months. Missing operating agreement for XXXXXXXX XXXXXXXX LLC to verify borrower's experience.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded OA for XXXXXXXX XXXXXXXX and XXX XXXXXXXX - Seller-XX/XX/XXXX

Resolved-Requested operating agreement for LLC provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XX - XXXXXXXX XXXXXXXX XXX.XXX
XXXXXXXXXX-XX - XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000118022

Closed

2026-04-22 03:25

2026-05-04 11:46

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Settlement statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. Missing settlement statement. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Settlement statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000118022

Closed

2026-04-24 09:23

2026-04-30 05:58

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Lender provided operating agreement for XXXXXXXX XXXXXXXX LLC. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX XX - Uploaded operating agreement for XXXXXXXX XXXXXXXX LLC to support experience. - Seller-XX/XX/XXXX
Open-Per the matrix dated X/XX/XX, experience “Yes” is defined as borrower/sponsor property ownership within the past XX months: X. X properties, or X. X property with a minimum of XX- months ownership term. The credit memo reflects X property experience. The property profiles provided for XXX X XXXX XX and XXX X XXXX XX are in the name of XXXXXXXX XXXXXXXX LLC. Missing operating agreement for XXXXXXXX XXXXXXXX LLC to prove borrower's experience. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX XX - Uploaded operating agreement for XXXXXXXX XXXXXXXX LLC to support experience. - Seller-XX/XX/XXXX

Resolved-Lender provided operating agreement for XXXXXXXX XXXXXXXX LLC. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XX_XXXXXXXX XXXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000118026

Closed

2026-04-22 06:10

2026-05-05 05:14

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Executed Final HUD document uploaded, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. Settlement statement is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Executed Final HUD document uploaded, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000118026

Closed

2026-04-23 05:49

2026-04-30 05:57

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Lender provided operating agreement for XXXXXXXXX Property XXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX XX - Uploaded operating agreement for XXXXXXXXX PROPERTY XXX to support experience. - Seller-XX/XX/XXXX
Open-Per the matrix dated X/XX/XX, experience “Yes” is defined as borrower/sponsor property ownership within the past XX months: X. X properties, or X. X property with a minimum of XX- months ownership term.
The credit memo reflects X property experience. The property profiles provided for XXX X XXst St and XXX X XXst St are in the name of XXXXXXXXX Property XXX. Missing operating agreement for XXXXXXXXX Property XXX to prove borrower's experience. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX XX - Uploaded operating agreement for XXXXXXXXX PROPERTY XXX to support experience. - Seller-XX/XX/XXXX

Resolved-Lender provided operating agreement for XXXXXXXXX Property XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XX_XXXXXXXX XXXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

6000117914

Closed

2026-04-16 10:31

2026-05-01 09:39

XXXXXX

2 - Non-Material

Credit

Eligibility

Cash reserves less than required by guidelines

Waived-Exception provided for reserve shortage - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX
Open-Per Lender Guidelines an LTV greater than XX% cancels the ability to use cash out for reserve requirement. Bank statements in file to not reflect X months of reserves as required. Please provide documentation to support the X month reserve requirement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX

Waived-Exception provided for reserve shortage - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX
XXXXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX X XXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

6000117914

Closed

2026-04-14 08:28

2026-04-16 10:14

XXXXXXXXXXXX

2 - Non-Material

Compliance

State Reg

PA Prepayment Penalty Prohibited

Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

Originator Post-Close

XXXX

6000117918

Closed

2026-04-14 09:53

2026-04-27 03:08

XXXXXXXX

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-Requested XXXXD Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-XXXXD Completion Report is Missing The appraisal reflects subject to completion. Missing XXXXD. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested XXXXD Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117852

Closed

2026-04-14 10:08

2026-04-30 05:12

XXXXXXXX

1 - Information

Credit

Doc Issue

HUD/Closing Statement not signed by Borrower or Title Agent

Resolved-HUD was provided showing the correct amount for taxes. Resolving finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-Please revisit the request the request for the HUD to be updated to reflect the actual hazard and tax reserve amounts. The amount shown on the HUD by hazard is the monthly tax amount and not the hazard amount. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-
The HUD statement in the file shows the monthly hazard impound as $XXX.XX. The $XXX.XX is actually for the taxes. The hazard is $XX.XX. Please provide corrected and signed HUD statement.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-HUD was provided showing the correct amount for taxes. Resolving finding. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX_XXXXXXXXX.XXX
XXXXXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117852

Closed

2026-04-16 10:30

2026-04-21 05:20

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

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

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

XXXXXXXXXX_XXXXXX_XXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117852

Closed

2026-04-14 11:04

2026-04-21 04:00

XXXXXXXX

1 - Information

Credit

Corporation/LLC: Operating Agreement Document is missing

Resolved-Requested Entity Documents provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide executed Operating Agreement and Articles of Organization as they are not included in the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Entity Documents provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXXXXX_XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118032

Closed

2026-04-22 00:47

2026-04-29 00:41

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

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

Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117913

Closed

2026-04-16 10:37

2026-04-29 07:51

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-Updated Title Insurance policy provided with coverage of $XXX,XXX matching the loan amount. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage of $XXX,XXX is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117913

Closed

2026-04-14 05:26

2026-04-21 02:01

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Requested Dot provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Missing in file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Dot provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118007

Closed

2026-04-16 11:07

2026-04-30 07:07

XXXXXXXX

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded DV report - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Drive report missing from the file. Provide the fraud report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded DV report - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000118007

Closed

2026-04-16 10:52

2026-04-30 07:02

XXXXXX

2 - Non-Material

Credit

Eligibility

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

Waived-Lender waived the X month reserve requirement (X.XX reserves provided) with X compensating factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX
Open-The GL requires X months of reserves of $X,XXX.XX while the assets in the file on page XX have $X,XXX.XX totaling X.XX months and short by -$XXX.XX. Provide additional assets. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX

Waived-Lender waived the X month reserve requirement (X.XX reserves provided) with X compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.
XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Post-Close

Yes

XXXX

6000117856

Closed

2026-04-14 21:50

2026-04-30 06:33

XXXXXX

2 - Non-Material

Credit

Eligibility

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

Waived- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX
Open-DSCR correspondent version XX/XX/XXXX required reserves is X months of the loan file total verified assets $X,XXX - cash to close requirement of $X,XXX.XX - Available assets for reserves $X,XXX, actual required $X,XXX.XX - reserve short of -$XXX.XX. provide additional assets. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX
XXXXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XX XXXXX.

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

Originator Pre-Close

Yes

XXXX

6000117856

Closed

2026-04-14 18:06

2026-04-21 01:53

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

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

Resolved-Requested Dot provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117948

Closed

2026-04-14 12:04

2026-05-01 08:07

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-The Photo ID is not attached. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-X/XX/XX - Wj - Uploaded Drivers License - Seller-XX/XX/XXXX
Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-X/XX/XX - Wj - Uploaded Drivers License - Seller-XX/XX/XXXX

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

XXXXXXXXXX_XX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117944

Closed

2026-04-16 09:12

2026-05-05 05:34

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Lender provided updated credit memo reflecting not experienced and X properties in the past XX months. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X JM - Uploaded updated CM to reflect NOT EXPERIENCED. - Seller-XX/XX/XXXX
Counter-XXX XXXXXXX XX is the borrower's primary. The experience is for investment properties owned. Missing additional property reports to reflect the XX month minimum or X properties requirement. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile for Prospect Street which has been owned since XXXX - Seller-XX/XX/XXXX
Counter-The subject property has not been owned XX months. The property profile reflects was purchased X/XX/XXXX and the note date is X/XX/XXXX. The property has not been owned XX months. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting experienced with one property which is correct since the property is owned more than XX months. - Seller-XX/XX/XXXX
Open-Per the matrix dated XX/XX/XX experience is defined as X properties or X property with minimum XX months ownership. The subject property profile reflects it was purchased X/XX/XX. The note date is X/XX/XX. This is not XX months. Missing additional property reports to reflect the XX month minimum or X properties requirement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/X JM - Uploaded updated CM to reflect NOT EXPERIENCED. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile for Prospect Street which has been owned since XXXX - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting experienced with one property which is correct since the property is owned more than XX months. - Seller-XX/XX/XXXX

Resolved-Lender provided updated credit memo reflecting not experienced and X properties in the past XX months. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX
XXXXXXXXXX_XX - XXXXXXXX XX..XXX
XXXXXXXXXX - XXXXXXX XX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117944

Closed

2026-04-16 09:47

2026-04-16 09:53

XXXXXX

2 - Non-Material

Credit

Eligibility

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

Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.
XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.

Investment

Refinance

Cash Out - Other

XXXX

Originator Pre-Close

Yes

XXXX

6000117882

Closed

2026-07-01 08:02

2026-07-01 08:06

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Escrow state - XXXXXXXXXX. Quit Claim Deed date is X/XX and Settlement Statement funded X/XX. - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower X Final Signature Date of XX-XX-XXXX is greater than the Notary date on the Deed of Trust on page XXX of the loan file. Date on the Deed of Trust is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Escrow state - XXXXXXXXXX. Quit Claim Deed date is X/XX and Settlement Statement funded X/XX. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117882

Closed

2026-04-15 07:18

2026-05-05 09:49

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Uploaded HUD from a refi from CV# #XXXX and revised credit memo, Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded HUD from a refi from CV# #XXXX and revised credit memo reflect accurate assets - Seller-XX/XX/XXXX
Open-Per Guidelines dated XX/XX/XXXX states reserves are required to be X months. Assets provided in file is $X,XXX.XX. Monthly PITIA of $X,XXX.XX times X months required equals $X,XXX.XX. Leaving funds short for reserve requirement of $X,XXX.XX, provide additional asset documentation to meet required reserves of X months. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded HUD from a refi from CV# #XXXX and revised credit memo reflect accurate assets - Seller-XX/XX/XXXX

XXXXXXXXXX_XXX XXXX XXX XXXX #XXXX.XXX
XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117881

Closed

2026-04-15 01:07

2026-05-01 07:41

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-HUD from simultaneous closing loan number XXXX with cash-out proceeds used to cover reserves. - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review- X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the HUD for XXXXXX XXXX uploaded on X/XX which reflects a disbursement date of X/XX and the subject HUD on page X which reflects a disbursement date of X/XX - Seller-XX/XX/XXXX
Counter-HUD provided with funds available on XX/XX/XXXX. Subject closing on XX/XX/XXXX funds from future closings not allowed for Reserves or Assets. - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded final HUD from XXX refi which supports enough assets - Seller-XX/XX/XXXX
Open-Per XXXXXXXXXX dated XX/XX/XXXX states reserves are required to be X months. Assets provided in file is $X,XXX.XX (First XXXXXXXX XXXX XXXX = $X,XXX.XX and XXXX = $XX.XX). Monthly PITIA of $X,XXX.XX times X months required equals $X,XXX.XX. Cash to close of $XX,XXX.XX. Total funds needed for closing and reserves $XX,XXX.XX Leaving funds short for reserve requirement of $XX,XXX.XX. Credit memo reflect proceeds from another closing but no supporting documents in file at time of review.
- Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review- X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the HUD for XXXXXX XXXX uploaded on X/XX which reflects a disbursement date of X/XX and the subject HUD on page X which reflects a disbursement date of X/XX - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded final HUD from XXX refi which supports enough assets - Seller-XX/XX/XXXX

XXXXXXXXXX_XXX XXXX XXX XXXX #XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117880

Closed

2026-04-16 08:51

2026-04-30 05:36

XXXXXXXX

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard insurance policy with premium was provided and updated. - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Hazard Insurance Policy Partially Provided The hazard insurance policy in the file does not reflect the annual premium amount. As a result, QC is unable to verify the required insurance premium for escrow and compliance purposes. Please provide an updated hazard insurance policy or declaration page that clearly reflects the annual premium. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Hazard insurance policy with premium was provided and updated. - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence XXXXXX-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117880

Closed

2026-04-16 08:36

2026-04-30 05:36

XXXXXXXX

1 - Information

Credit

Missing subject rental income documentation

Resolved-The rentrange documentation in the file was used for the $XXXX monthly. Finding is resolved. - Due Diligence XXXXXX-XX/XX/XXXX
Counter-Missing another month proof of the rental income in the amount of $XXXX. This is what is needed to resolve the finding. - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded revised Credit Memo reflecting use of market rents, nothing else is needed - Seller-XX/XX/XXXX
Counter-The documentation provided is the HOI. Please provide the following: Per the guidelines, when actual rents are used to determine the DSCR, the file must include an executed lease agreement and two (X) months of proof of rent received, supported by canceled checks or bank statements. Upon review, QC was only able to locate one (X) month of proof of rental income in the amount of $X,XXX, credited on XX/XX/XXXX per bank statement. No additional month of rent verification was found in the file. Please provide additional month proof of the rental payment of $X,XXX.
- Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Per the guidelines, when actual rents are used to determine the DSCR, the file must include an executed lease agreement and two (X) months of proof of rent received, supported by canceled checks or bank statements. Upon review, QC was only able to locate one (X) month of proof of rental income in the amount of $X,XXX, credited on XX/XX/XXXX per bank statement. No additional month of rent verification was found in the file. Please provide additional month proof of the rental payment of $X,XXX. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded revised Credit Memo reflecting use of market rents, nothing else is needed - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-The rentrange documentation in the file was used for the $XXXX monthly. Finding is resolved. - Due Diligence XXXXXX-XX/XX/XXXX

XXXXXXXXXX_XXX.XXX
XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117846

Closed

2026-04-15 04:44

2026-05-01 05:57

XXXXXXXX

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Validation Resolved - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-Requested rent range document provided with market rent of $X,XXX, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Rent Range - Seller-XX/XX/XXXX
Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Per the matrix dated X/X/XX, third-party market rents from approved vendor or appraiser used to validate rents is required. Missing third party market rents. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Rent Range - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117846

Closed

2026-04-16 08:16

2026-04-30 05:49

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Lender provided updated credit memo reflecting no experience. - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting not experienced - Seller-XX/XX/XXXX
Open-Per the matrix dated XX/XX/XXXX experience is defined as X properties or X property with minimum XX months ownership. The subject property profile reflects it was purchased X/XX/XXXX. The note date is X/XX/XX. This is not XX months. Missing additional property reports to reflect the XX month minimum or X properties requirement. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting not experienced - Seller-XX/XX/XXXX

Resolved-Lender provided updated credit memo reflecting no experience. - Due Diligence XXXXXX-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117876

Closed

2026-04-16 08:11

2026-05-01 08:55

XXXXXXXX

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Property Tax Computation - Seller-XX/XX/XXXX
Open-Missing Evidence of Property Tax The provided Property Tax Estimate lists a projected $X,XXX.XX in yearly taxes. The file is missing documentation to verify XXX's $XXX.XX/month - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Property Tax Computation - Seller-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence XXXXXX-XX/XX/XXXX

XXXXXXXXXX_XXX XXXXXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

6000117955

Closed

2026-04-16 13:28

2026-05-06 09:15

XXXXXXXX

1 - Information

Credit

Missing subject rental income documentation

Resolved-LOE provided supporting rents received (pg XXX):
X) Prorated rent confirmed for XXX XXXX (pg XX)
X) Rent confirmed for XXX XXXX (pg XX)
X) Rent confirmed for XXX / XXXXX cash deposit (pg XXX)
- Due Diligence XXXXXX-XX/XX/XXXX
Open-Third party rents qualified at XXX%. Per guidelines, X-most recent months cancelled checks or bank statements evidencing receipt of rental income received prior to application required. Not found in file. - Due Diligence XXXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118029

Closed

2026-04-16 08:17

2026-04-27 06:17

XXXXXXXX

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of XX% is less than or equal to XXXXXXXXX LTV of XX% - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-The client provided a scope of work report to show repairs made to be able to use FMV. - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Scope of Work to support work completed after borrower's purchase of property. - Seller-XX/XX/XXXX
Open-Audited LTV Exceeds XXXXXXXXX LTV The guideline X.XX | SEASONING REQUIREMENTS states that for a cash out refi owned <X months and no improvements made (as per appraisal pg X) then the Lesser of acquisition price or as-is appraised value reviewed and accepted by XXX. The subject was purchased XX/XXXX for $XXX,XXX and no improvements have been made so $XXX,XXX is the value that should be used to calculate the LTV. The LTV increases from XX% to XX.XX%. - Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Scope of Work to support work completed after borrower's purchase of property. - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXX XX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118029

Closed

2026-04-16 01:27

2026-04-24 06:04

XXXXXXXX

1 - Information

Compliance

Missing Doc

Closing Detail Statement is Missing

Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Closing Doc is Missing. The loan file is missing the final executed settlement statement. - Due Diligence XXXXXX-XX/XX/XXXX

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

Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX
Resolved-Validation Resolved - Due Diligence XXXXXX-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118029

Closed

2026-04-16 02:35

2026-04-22 00:06

XXXXXXXX

1 - Information

Credit

Borrowing Entity / Individual has insufficient experience

Resolved-Requested property profile reflecting greater than XX months ownership and Provided Articles of Incorporation linking property to borrower, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile reflecting greater than XX months ownership and corresponding Articles of Incorporation linking property to borrower - Seller-XX/XX/XXXX
Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file contains X property reports to show the borrowers experience however they do not show the borrower as a past or present owner. The credit memo states that the borrower has experience with one property. The loan file is missing evidence of the borrowers X property experience for over XX months.
- Due Diligence XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile reflecting greater than XX months ownership and corresponding Articles of Incorporation linking property to borrower - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXX XXXXXX XXXXX XXXXXXXXXXX.XXX
XXXXXXXXXX_XX - XXXX XXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118029

Closed

2026-04-16 01:24

2026-04-17 02:34

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Requested Credit Report provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower X Credit Report is Missing. The loan file contains a credit report for B2 however it is corrupt and can't be opened. The loan file is missing the credit report for B2. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Credit Report provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXXXX_XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117905

Closed

2026-04-17 10:40

2026-04-23 06:41

XXXXXXXX

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-The client provided the addendum to the settlement statement showing the property addresses. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached is the full executed Final Hud with the X properties shown in the attachment page. - Seller-XX/XX/XXXX
Open-The loan file contains the fully executed settlement statement however the attachment for the property addresses is missing, see page X. The loan file is missing the attachment to the settlement statement showing the X property addresses. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Attached is the full executed Final Hud with the X properties shown in the attachment page. - Seller-XX/XX/XXXX

Resolved-The client provided the addendum to the settlement statement showing the property addresses. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXXXXX_XXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118010

Closed

2026-04-17 09:43

2026-05-13 09:04

XXXXXXXX

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-The provided and updated agreement has been provided and reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-The provided agreement is missing the Minimum Release schedule confirming the release values for each CC property. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded the Loan Agreement - Seller-XX/XX/XXXX
Open-A copy of the loan agreement is missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded the Loan Agreement - Seller-XX/XX/XXXX

Resolved-The provided and updated agreement has been provided and reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXXXX.XXX
XXXXXXXXXX_XXXXXXX XXX.XXX
XXXXXXXXXX_XXXX XX XXX XXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118010

Closed

2026-04-17 09:25

2026-05-07 09:04

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The provided DOT lists X handwritten properties in the Property Address section. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118010

Closed

2026-04-16 01:24

2026-05-06 01:05

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-Requested Note for all properties, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Note is Missing The provided note lists XXX XXXXXXXXXX XXX. However, the other X properties in this CC transaction were not listed. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Note for all properties, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXX XXXXXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000118010

Closed

2026-04-16 04:16

2026-04-22 06:20

XXXXXXXX

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert of XXXX X XXth has been provided and reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-The provided Flood Certs are not for XXXX XXXXX XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The following property is missing the required Flood Cert:
XXXX XXXXX XX Property. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Flood cert of XXXX X XXth has been provided and reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXX_XXX_XXXXXXXXXXXX.XXX
XXXXXXXXXX_XXXXXXXXX_XXXXXXXXXX.XXX
XXXXXXXXXX_XXXXXXXXX_XXXX_X_XXXXXX.XXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

6000117874

Closed

2026-04-19 22:42

2026-04-28 07:12

XXXXXXXX

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Client clarification has been received. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Rescind Finding: Title is taken in the Entity - only one sponsor required to execute. - Seller-XX/XX/XXXX
Open-The Note is Not Executed Loan has second borrower . Missing Borrower X sign in Note document - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Rescind Finding: Title is taken in the Entity - only one sponsor required to execute. - Seller-XX/XX/XXXX

Resolved-Client clarification has been received. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000124472

Closed

2026-04-10 03:23

2026-05-22 12:37

XXXXXXXX

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached executed DOT. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Not Executed - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX - XXXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000124472

Closed

2026-04-09 23:19

2026-05-22 12:36

XXXXXXXX

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Document uploaded and reviewed. Condition was resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached executed note. - Seller-XX/XX/XXXX
Open-The Note is Not Executed - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Document uploaded and reviewed. Condition was resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXXXXX XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000124472

Closed

2026-04-09 23:12

2026-04-30 03:07

XXXXXXXX

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached business purpose affidavit. - Seller-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose affidavit is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000124472

Closed

2026-04-09 23:43

2026-04-30 03:06

XXXXXXXX

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Loan amount at closing was $XXX,XXX. Please see the attached title commitment with amount of insurance as $XXX,XXX. - Seller-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXXXXX . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Loan amount at closing was $XXX,XXX. Please see the attached title commitment with amount of insurance as $XXX,XXX. - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXXX XXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000123945

Closed

2026-04-15 15:10

2026-04-29 20:01

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing rate lock confirmation reflecting no prepay terms - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXXXX -.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000122760

Closed

2026-04-16 03:35

2026-04-23 15:31

XXXXXXXX

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX
Resolved-Additional assets of XXXX exchange funds provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX docs with updated XXXX showing assets - Seller-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) As per guidelines, LTV-XX% reserves required X months of PITIA. Final HUD showing cash from borrower $X,XXX,XXX.XX + PITIA $X,XXX.XX (X *$X,XXX.XX months reserves) = $XX,XXX.XX, available verified asset $X,XXX,XXX.XX. the loan is short funds - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX docs with updated XXXX showing assets - Seller-XX/XX/XXXX

XXXX.XXX
XXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000122760

Closed

2026-04-20 08:23

2026-04-22 06:49

XXXXXXXX

1 - Information

Credit

Missing Doc

Bank Statement Summary / Lender Worksheet Missing

Resolved-Updated Approval with correct loan amount uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Loan approval - Seller-XX/XX/XXXX
Open-Lender worksheet on pages XXX and XXX are not using the correct Loan amount. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Approval with correct loan amount uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000122760

Closed

2026-04-16 05:06

2026-04-22 06:48

XXXXXXXX

1 - Information

Credit

DSCR Does Not Meet Guideline Requirement

Resolved-Updated DSCR calculator uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX
Open-Originator Considered P&I amount as $X,XXX.XX but the actual value as per Note is $X,XXX.XX, due to this there is a difference in DSCR ratio - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated DSCR calculator uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000126290

Closed

2026-04-28 23:23

2026-04-30 05:30

XXXXXXXX

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary valuation document. Secondary valuation missing in file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX.XXX

Investment

Purchase

XXXX

N/A

XXXX

4000127379

Closed

2026-04-28 03:34

2026-05-20 03:35

XXXXXXXX

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Updated XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE REVISED XXXX AS REQUESTED. - Seller-XX/XX/XXXX
Open-The Final XXXX is Incomplete Borrower is non permanent resident as we have employment authorization card in file but final XXXX reflecting as permanent resident, we need updated final XXXX.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE REVISED XXXX AS REQUESTED. - Seller-XX/XX/XXXX

XXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

XXXX

4000127379

Closed

2026-04-28 04:21

2026-04-28 10:23

XXXXXX

2 - Non-Material

Credit

Income/Employment

Income/Employment General

Waived-We have UW exception for using both personal and business bank statements at pages #XXX- Client elects to waive with the following compensating factors- waived - Due Diligence Vendor-XX/XX/XXXX

XX.X%XXX XX XXXXX XXX XXXXXXX XX% XXX
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XXXXXX XXXXX XX XXX XX XX XXXXXX.
XXXXXXXX XXXXXX-$XX,XXX.XX XXXXXXX XXX XXXXXXXXXX XX $XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Originator Post-Close

Yes

XXXX

4000123942

Closed

2026-05-22 07:13

2026-05-28 05:55

XXXXXXXX

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate lock verifying Non QM Bank statement program only. Updated disclosure page with rate loack loan and guidelines. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE LOCK CONFIRMATION ATTACHED. - Seller-XX/XX/XXXX
Open-Evidence of Rate Lock Missing Provide rate lock confirmation to verify which program was used. The loan was set up as NonQM bank statement XXX. However the XXXX provided due to finding states Ignite bank statements. We need to determine which program was used for this loan. No rate lock confirmation in file other than the Final LE only confirming the rate was locked. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE LOCK CONFIRMATION ATTACHED. - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXXX - XXXX XXXXXXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000123942

Closed

2026-05-12 11:01

2026-05-22 06:49

XXXXXXXX

1 - Information

Credit

Income/Employment

Income 2 Months Income Verified is Missing

Resolved-Updated XXXX and employment field with $-XXX.XX. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED REVISED/CORRECTED XXXX SHOWING VERIFIED ACTUAL PROPERTY EXPENSES AT $XXX.XX TO CLEAR. THERE WAS NO RENTAL INCOME BEING USED FOR XXXXX XX XXXX XXA, SO THERE IS NO INCOME TO VERIFY BUT REVISED XXXX FOR ACTUAL PROPERTY EXPENSES. THANK YOU. - Seller-XX/XX/XXXX
Open-Income X Months Income Verified is Missing XXXXX XXXX other REO XXXX net rental loss $-XXXX.XX. Documents provided : Insurance $XXXX/XX=$XX.XX; Taxes $X,XXX.XX/XX= $XXX.XX ; HOA $XXX monthly = $-XXX.XX. Provide documentation to support $-XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE ATTACHED REVISED/CORRECTED XXXX SHOWING VERIFIED ACTUAL PROPERTY EXPENSES AT $XXX.XX TO CLEAR. THERE WAS NO RENTAL INCOME BEING USED FOR XXXXX XX XXXX XXA, SO THERE IS NO INCOME TO VERIFY BUT REVISED XXXX FOR ACTUAL PROPERTY EXPENSES. THANK YOU. - Seller-XX/XX/XXXX

Resolved-Updated XXXX and employment field with $-XXX.XX. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXX - XXXXXXX XXXX XXXXXXXX XXXXXXXX XXX.XX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000123942

Closed

2026-05-07 03:43

2026-05-21 01:15

XXXXXXXX

1 - Information

Credit

Assets

Asset 8 Does Not Meet Guideline Requirements

Resolved-XXXXXXX XXXXXXX #XXXX Account uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED XXXXXX #XXXX MARCH & FEBRUARY - Seller-XX/XX/XXXX
Open-Asset X Does Not Meet XXXXXXXXX Requirements We have asset of $XX,XXX.XX mutual fund from XXXXXXX XXXXXXX account of #XXXX on final XXXX but the X month statements are missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE ATTACHED XXXXXX #XXXX MARCH & FEBRUARY - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXXX - XXXXXX #XXXX - XXXXX XXX XXXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000123942

Closed

2026-05-07 03:43

2026-05-21 01:14

XXXXXXXX

1 - Information

Credit

Assets

Asset 7 Does Not Meet Guideline Requirements

Resolved-XXXXXXX XXXXXXX #XXXX Account uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED XXXXXX #XXXX MARCH & FEB ACCOUNT. - Seller-XX/XX/XXXX
Open-Asset X Does Not Meet XXXXXXXXX Requirements We have asset of $XX,XXX.XX mutual fund from XXXXXXX XXXXXXX account of #XXXX on final XXXX but the X month statements are missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE ATTACHED XXXXXX #XXXX MARCH & FEB ACCOUNT. - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXXX - XXXXXX #XXXX - XXXXX & XXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000123942

Closed

2026-05-07 01:25

2026-05-18 06:56

XXXXXXXX

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. XXXX document is missing . - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXXXXX - XXXXX - XXXX - XXXXXXXXXXX XXXXXXX.XXX

Primary Residence

Purchase

XXXX

N/A

XXXX

4000126364

Closed

2026-05-18 22:18

2026-05-22 05:37

XXXXXXXX

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial Closing Disclosure with copy of E-signed proof uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE INITIAL CD - THIS CD IS E-SIGNED. E-SIGNED PROOF DOCS ATTACHED AS WELL. THANK YOU. - Seller-XX/XX/XXXX
Open-TRID: Missing Closing Disclosure Initial CD is in loan file but not signed by the borrower. Provide updated document with borrower signature. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE INITIAL CD - THIS CD IS E-SIGNED. E-SIGNED PROOF DOCS ATTACHED AS WELL. THANK YOU. - Seller-XX/XX/XXXX

Resolved-Initial Closing Disclosure with copy of E-signed proof uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX - XXXXX - XXXXXXX XX - X XXXXXX.XXX

Second Home

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

4000129322

Closed

2026-05-25 22:43

2026-05-27 23:12

XXXXXXXX

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested Xrd party VOE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED VOE - Seller-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing VOE is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. PLEASE SEE ATTACHED VOE - Seller-XX/XX/XXXX

XXXXXXXXXX - XXXXXX - XXX.XXX

Second Home

Purchase

XXXX

N/A