Exhibit 99.03 Schedule 3

 

Loan ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File? Unique Finding ID
4000097015     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000111619     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000111613     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated      
4000113581     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000117419     D B D A C B C A Closed finding-3712 2026-03-13 18:00 2026-04-03 10:58 Cured 2 - Non-Material C B Compliance State Reg CA Per Diem Interest Amount Test Cured-All remediation documents have been provided. Thank you - Due Diligence Vendor-04/03/2026
Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-04/01/2026
Counter-Please note that when part of remediating includes funds going to the borrower that is more than $xxx require proof of deliver/proof of receipt by the borrower. If tracking information is not available, lender to provide proof of shipment. - Due Diligence Vendor-03/28/2026
Ready for Review-Hello Team, please advise that we mail the check by xxx, so no tracking. attached is the lender cert for mailing the check. Please waive this condition. - Due Diligence Vendor-03/25/2026
Counter-The original xxx per diem disclosure is now provided and loan would not have needed the cure of $xxx.  However, an action was already taken prior to having the updated xxx per diem disclosure with the PCCD that was sent on xxx where all of the actionable items that needed to be verified were verified with the exception of proof that it was mailed.  To complete the whole circle here, and because the borrower is aware of the refund, the proof of mailing of the cure still needs to be provided to close the entire loop on this issue.  - Due Diligence Vendor-03/25/2026
Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-03/20/2026
Counter-Received additional xxx Per Diem Interest Disclosure with revisions to page xxx, allowing for 3 days of additional per diem vs 2 days as disclosed in the xxx Per Diem Disclosure in the original file. Signature on page 2 of the new disclosure appears to be the same signature page as that of the xxx Per Diem Disclosure in the original file. Lender to clarify. - Due Diligence Vendor-03/16/2026
Ready for Review-Hello team, please see attached the xxx per diem for this file. Thank you - Due Diligence Vendor-03/13/2026
Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. PCCD for funding delay has been provided, resulting in additional finding.  xxx per diem disclosure provided indicates "arrange for the disbursement of the loan proceeds on xxx". However, per the PCCD provided the disbursement date is xxx.  Per diem over-charged to borrower in the amount of $xxx. - Due Diligence Vendor-03/13/2026
Open- - Due Diligence Vendor-03/13/2026

Cured-All remediation documents have been provided. Thank you - Due Diligence Vendor-04/03/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000117419     D B D A C B C A Closed finding-47 2026-03-03 10:05 2026-03-13 18:04 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-PCCD received, data entered - ROR test resolved - Due Diligence Vendor-03/13/2026
Resolved- - Due Diligence Vendor-03/13/2026
Ready for Review-hello, please see attached, thank you - Due Diligence Vendor-03/12/2026
Open- - Due Diligence Vendor-03/04/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period.  - Due Diligence Vendor-03/04/2026
Open- - Due Diligence Vendor-03/04/2026
Open- - Due Diligence Vendor-03/03/2026

Resolved-PCCD received, data entered - ROR test resolved - Due Diligence Vendor-03/13/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000117419     D B D A C B C A Closed FCRE7497 2026-03-03 13:31 2026-03-13 02:45 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Lender provided docs showing fee at $xxx per month.  - Due Diligence Vendor-03/13/2026
Ready for Review-hello, please see attached, thank you - Due Diligence Vendor-03/12/2026
Open-. Provide HOA fee for rental property located at xxx. Final 1003 shows $xxx per month. Subject to review and possible additional conditions. - Due Diligence Vendor-03/03/2026

Resolved-Lender provided docs showing fee at $xxx per month.  - Due Diligence Vendor-03/13/2026
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000117419     D B D A C B C A Closed FVAL9739 2026-03-03 13:19 2026-03-13 02:43 Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-Lender provided additional condo information.  - Due Diligence Vendor-03/13/2026
Ready for Review-hello, please see attached, thank you - Due Diligence Vendor-03/12/2026
Open-. Provide Condo Reserve Study, Budget and Meeting Minutes as referenced on the HOA Condo questionnaire. Subject to review and possible additional conditions.  - Due Diligence Vendor-03/03/2026

Resolved-Lender provided additional condo information.  - Due Diligence Vendor-03/13/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000118712     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000113882     C A C A A A A A Closed FCRE1193 2026-03-10 18:45 2026-04-09 10:10 Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved-Audited DTI of 48.74% is less than or equal to Guideline DTI of 55%  - Due Diligence Vendor-04/09/2026
Ready for Review-REO description on prior 1008 was incorrect - borrower was not retaining REO.  Please see attached LOX.  - Due Diligence Vendor-04/08/2026
Counter-The condition is for Per lenders 1008 write up borrowers will be retaining departing primary and converting to investment but departing residence PITIA was not included in borrowers final DTI calculations? When included , an additional -$xxx must be accounted for into all other monthly payments which will make DTI jump to 75.95%.  - Due Diligence Vendor-04/06/2026
Ready for Review-10085 and REO LOX attached  - Due Diligence Vendor-04/02/2026
Open-Audited DTI of 75.95% exceeds Guideline DTI of 55%  Per lenders 1008 write up borrowers will be retaining departing primary and converting to investment but departing residence PITIA was not included in borrowers final DTI calculations?  When included , an additional -$xxx must be accounted for into all other monthly payments which will make DTI jump to 75.95%.  - Due Diligence Vendor-03/10/2026

Resolved-Audited DTI of 48.74% is less than or equal to Guideline DTI of 55%  - Due Diligence Vendor-04/09/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 247.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000118702     D A D A A A A A Closed FCRE1201 2026-03-11 14:06 2026-03-13 02:51 Resolved 1 - Information D A Credit Missing Doc - Credit Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/13/2026

Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-03/12/2026

Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/11/2026

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/13/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000120011     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000121230     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other      
4000120890     C A A A C A A A Closed finding-3712 2026-03-31 08:19 2026-04-06 08:38 Resolved 1 - Information C A Compliance State Reg CA Per Diem Interest Amount Test Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/06/2026
Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan funded on xxx and disbursement on xxx. Thank you - Due Diligence Vendor-04/03/2026
Counter-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date and per diem interest charge to borrower not to exceed 1 day per the xxx per diem disclosure executed by borrower in consummation. Thank you - Due Diligence Vendor-04/03/2026
Ready for Review-Hello Team, we don't provide the Final SS for this file yet. Please advise where you get this info. Thank you - Due Diligence Vendor-04/01/2026
Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-03/31/2026
Open-***Final CD has a disbursement date prior to closing. Lender to provide a PCCD and copy of the Final Settlement Statement with the correct disbursement date and correct prepaid interest collected. - Due Diligence Vendor-04/01/2026
Open- - Due Diligence Vendor-04/01/2026
Open- - Due Diligence Vendor-04/01/2026
Open- - Due Diligence Vendor-03/31/2026
Open- - Due Diligence Vendor-03/31/2026

Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/06/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000122359     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000119429     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other      
4000121131     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000119965     C A A A C A A A Closed FCOM7353 2026-04-02 10:55 2026-04-07 07:53 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/07/2026
Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-04/06/2026
Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/02/2026

Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/07/2026

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.33 Years Borrower At Current Residence For Five (5) Or More Years - 30.33 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.72 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Months Reserves Of 122.72 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 41.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A xxx
4000121223     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000122286     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000122606     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000121407     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000119981     C A A A C A A A Closed FCOM7353 2026-04-07 06:55 2026-04-08 15:04 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/08/2026
Ready for Review-Please see the attached App snip - Due Diligence Vendor-04/08/2026
Open-Need clarification of Application date xxx. - Due Diligence Vendor-04/07/2026

Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/08/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.22% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000122191     C A C A C A A A Closed FCRE1198 2026-04-07 09:07 2026-04-13 07:59 Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Audited Reserves of 4.25 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-04/13/2026
Ready for Review-As noted in Guideline xxx, gift funds are eligible for reserves if they are 'deposited into escrow account at closing and disbursed to borrower.' In this case, the gift funds were sent directly to escrow, and the Total Refund of $xxx shown on the Final Settlement Statement (FSS) represents the actual disbursement to the borrower at closing. Since this amount ($xxx) exceeds the 4-month reserve requirement of $xxx, the condition for reserves is fully satisfied per guidelines. Please review and waive the condition. - Due Diligence Vendor-04/10/2026
Counter-Apologies for the confusion, Per Expanded & Wave reserves requirements: Primary and Second Home ≤ $xxx and LTV > 75% # of Months 4 - Final 1003 does not reflects any Bwr Assets only Gift Funds. per Guidelines: xxx – GIFT FUNDS - Gift funds may fund all or part of the down payment, closing costs, or financial reserves depending on the loan program. " Reserves coming from gift funds must be deposited either into borrower’s account prior to closing or into escrow account at closing and disbursed to borrower." The $xxx cash back to bwr are from the Gift Funds and are not allowed to be used for reserves.  - Due Diligence Vendor-04/09/2026
Ready for Review-Here is the FSS and total refunds amount is $xxx. Please review and waive the condition. - Due Diligence Vendor-04/09/2026
Open-Audited Reserves of  are less than Guideline Required Reserves of 4 Audited Reserves of 3.19 are less than Guideline Required Reserves of 4 - Due Diligence Vendor-04/07/2026

Resolved-Audited Reserves of 4.25 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-04/13/2026

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000122191     C A C A C A A A Closed FCOM7353 2026-04-07 13:03 2026-04-08 15:28 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/08/2026

Ready for Review-Here you are. - Due Diligence Vendor-04/08/2026

Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/07/2026

Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/08/2026

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000122735     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000120630     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000120628     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000122331     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other      
4000119752     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000120205     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000122342     C A A A C A A A Closed finding-3712 2026-04-08 15:34 2026-04-10 12:14 Resolved 1 - Information C A Compliance State Reg CA Per Diem Interest Amount Test Resolved-***Received executed xxx Per Diem Disclosure - Due Diligence Vendor-04/10/2026
Ready for Review-Please find attached. - Due Diligence Vendor-04/09/2026
Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-04/09/2026
Open- - Due Diligence Vendor-04/09/2026
Open- - Due Diligence Vendor-04/09/2026
Open- - Due Diligence Vendor-04/08/2026
Open- - Due Diligence Vendor-04/08/2026
Open- - Due Diligence Vendor-04/08/2026

Resolved-***Received executed xxx Per Diem Disclosure - Due Diligence Vendor-04/10/2026
 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.98 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.96% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A xxx
4000120637     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000121187     C A C A A A A A Closed FCRE1167 2026-04-08 21:50 2026-04-13 13:25 Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/13/2026
Ready for Review-Please see attached RCE - Due Diligence Vendor-04/13/2026
Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided  - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-04/09/2026

Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/13/2026

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.78% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.09 Years		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000122290     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000122642     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000124383     D A D A A A A A Closed FCRE7497 2026-04-13 05:27 2026-04-15 10:23 Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved-Final Cd's provided  - Due Diligence Vendor-04/15/2026
Ready for Review-Please see the attached Doc CD for xxx - Due Diligence Vendor-04/14/2026
Open-borrower as avail refinance loans #xxx. PLEASE PROVIDE FINAL CLOSING DISCLOSURE. - Due Diligence Vendor-04/13/2026

Resolved-Final Cd's provided  - Due Diligence Vendor-04/15/2026

 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000121172     C A A A C A A A Closed FCOM7353 2026-04-13 10:46 2026-04-14 14:25 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date. - Due Diligence Vendor-04/14/2026

Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-04/14/2026

Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/13/2026

Resolved-***Received confirmation of the application date. - Due Diligence Vendor-04/14/2026

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.33% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000122201     C B A A C B A A Closed finding-3631 2026-04-13 12:02 2026-04-22 14:41 Cured 2 - Non-Material C B Compliance TRID Tolerance Reimbursement Amount Validation Test Cured-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved- - Due Diligence Vendor-04/22/2026
Open-The following charges have increased: Credit Report resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/14/2026
Open- - Due Diligence Vendor-04/13/2026
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/13/2026
Open- - Due Diligence Vendor-04/13/2026

Cured-**Received cure package - Due Diligence Vendor-04/22/2026

 Resolved-**Received cure package - Due Diligence Vendor-04/22/2026

 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.27 Years

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.27 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.66% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Purchase NA N/A N/A xxx
4000122201     C B A A C B A A Closed finding-3634 2026-04-13 12:02 2026-04-22 14:40 Cured 2 - Non-Material C B Compliance TRID Tolerance Charges That Cannot Increase Test Cured-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved- - Due Diligence Vendor-04/22/2026
Open-The following charges have increased: Credit Report resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/14/2026
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Loan Failed Charges that cannot increase failure with the variance of $xxx due to the increase in the Credit report fee from the initial & revised Loan Estimated $xxx to the ICD,FCD & PCCD fee disclosed as $xxx, however no COC addressing the failure, kindly provide cure of $xxx or COC addressing the change. - Due Diligence Vendor-04/13/2026
Open- - Due Diligence Vendor-04/13/2026
Open- - Due Diligence Vendor-04/13/2026

Cured-**Received cure package - Due Diligence Vendor-04/22/2026

 Resolved-**Received cure package - Due Diligence Vendor-04/22/2026

 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.27 Years

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.27 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.66% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Purchase NA N/A N/A xxx
4000122201     C B A A C B A A Closed finding-3632 2026-04-13 12:02 2026-04-22 14:39 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved- - Due Diligence Vendor-04/22/2026
Ready for Review-Here are the Cure documents. Thank you. - Due Diligence Vendor-04/22/2026
Open-The following charges have increased: Credit Report resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/14/2026
Open- - Due Diligence Vendor-04/13/2026
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/13/2026
Open- - Due Diligence Vendor-04/13/2026

Resolved-**Received cure package - Due Diligence Vendor-04/22/2026

 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.27 Years

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.27 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.66% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Purchase NA N/A N/A xxx
4000120734     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000122199     C A A A C A A A Closed FCOM7353 2026-04-14 16:25 2026-04-16 07:46 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/16/2026

Ready for Review-Sorry for the confusion. Please see attached. Thank you! - Due Diligence Vendor-04/16/2026

Counter-Documentation provided is unrelated to the finding - Due Diligence Vendor-04/15/2026

Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-04/15/2026

Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/14/2026

Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/16/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Purchase NA N/A N/A xxx
4000120898     C B C A C B A A Closed finding-3631 2026-04-15 07:43 2026-04-29 16:08 Cured 2 - Non-Material C B Compliance TRID Tolerance Reimbursement Amount Validation Test Cured-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved- - Due Diligence Vendor-04/22/2026
Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/21/2026
Open-Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing.  Charges cannot be increased or added for any reason, Post consummation.  0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/15/2026
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/15/2026
Open- - Due Diligence Vendor-04/15/2026

Cured-**Received cure package - Due Diligence Vendor-04/22/2026

 Resolved-**Received cure package - Due Diligence Vendor-04/22/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000120898     C B C A C B A A Closed finding-3634 2026-04-15 07:43 2026-04-29 16:07 Cured 2 - Non-Material C B Compliance TRID Tolerance Charges That Cannot Increase Test Cured-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved- - Due Diligence Vendor-04/22/2026
Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/21/2026
Open-Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing.  Charges cannot be increased or added for any reason, Post consummation.  0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/15/2026
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/15/2026
Open- - Due Diligence Vendor-04/15/2026

Cured-**Received cure package - Due Diligence Vendor-04/22/2026

 Resolved-**Received cure package - Due Diligence Vendor-04/22/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000120898     C B C A C B A A Closed FCRE1198 2026-04-14 05:37 2026-04-23 07:25 Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Audited Reserves of 52.29 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-04/23/2026
Ready for Review-Hello Team, the cash reserve required is 4months P&I= xxx. Cash available is $xxx. Per Post Consummation CD and Final SS showing the cash to close is $xxx. So the cash left after fund is $xxx. Please waive this condition since borrower has enough reserve. Thank you - Due Diligence Vendor-04/21/2026
Open-Audited Reserves of 2.96 are less than Guideline Required Reserves of 4 Audited Reserves of 3.19 are less than Guideline Required Reserves of 4- Per guidelines 4 months of reserves required- Audit verified  - Due Diligence Vendor-04/14/2026

Resolved-Audited Reserves of 52.29 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-04/23/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000120898     C B C A C B A A Closed finding-3632 2026-04-15 07:43 2026-04-22 10:21 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-**Received cure package - Due Diligence Vendor-04/22/2026
Resolved- - Due Diligence Vendor-04/22/2026
Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/21/2026
Open-Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing.  Charges cannot be increased or added for any reason, Post consummation.  0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/15/2026
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/15/2026
Open- - Due Diligence Vendor-04/15/2026

Resolved-**Received cure package - Due Diligence Vendor-04/22/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000121336     D A D A A A A A Closed FCRE1333 2026-04-15 21:56 2026-04-20 13:59 Resolved 1 - Information D A Credit Missing Doc - Income Borrower 1 WVOE Missing Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-04/20/2026
Ready for Review-Please find attached. - Due Diligence Vendor-04/20/2026
Open-Borrower 1 WVOE Missing Provide missing wvoe document for B1 used to qualify. xxx employer xxx monthly stated income of $xxx - Due Diligence Vendor-04/16/2026

Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-04/20/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A xxx
4000123404     D A C A D A A A Closed FCOM1232 2026-04-16 11:43 2026-04-27 08:32 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved- - Due Diligence Vendor-04/27/2026

Ready for Review-see attached in the description box - Due Diligence Vendor-04/25/2026

Open-The Final 1003 is Missing Missing final 1003 - Due Diligence Vendor-04/16/2026



Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.71% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points		   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A xxx
4000123404     D A C A D A A A Closed FCRE1118 2026-04-16 03:57 2026-04-27 08:28 Resolved 1 - Information C A Credit Closing Borrower 1 Deed of Trust Signature does not match Note Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-04/27/2026

Ready for Review-see attached in the description box - Due Diligence Vendor-04/25/2026

Open-Borrower 1 Signature does not match Note Provided Note Document is Unexecuted. Requested for Executed Note docs to verify Signatures - Due Diligence Vendor-04/16/2026

Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-04/27/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.71% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points		   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A xxx
4000123404     D A C A D A A A Closed FCOM4028 2026-04-16 03:57 2026-04-27 08:28 Resolved 1 - Information D A Compliance Missing Doc - Closing Package Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-04/27/2026

Ready for Review-see attached in the description box - Due Diligence Vendor-04/25/2026

Open-Missing evidence of Mortgage recording Incomplete DOT docs provided. Require complete DOT pages to verify the terms. - Due Diligence Vendor-04/16/2026

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-04/27/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.71% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points		   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A xxx
4000123404     D A C A D A A A Closed FCOM1207 2026-04-16 03:44 2026-04-27 08:25 Resolved 1 - Information C A Compliance Closing Package The Note is Not Executed Resolved-The Note is Executed - Due Diligence Vendor-04/27/2026

Ready for Review-see attached in the description box - Due Diligence Vendor-04/25/2026

Open-The Note is Not Executed - Provide executed Note. - Due Diligence Vendor-04/16/2026

Resolved-The Note is Executed - Due Diligence Vendor-04/27/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.71% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points		   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A xxx
4000124122     C A A A C A A A Closed finding-47 2026-04-16 09:32 2026-04-23 11:30 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-**Received PCCD - Due Diligence Vendor-04/23/2026
Resolved- - Due Diligence Vendor-04/23/2026
Ready for Review-Hello, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/22/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx.Please provide Post Consummation Closing Disclosure funding after Rescission period.  - Due Diligence Vendor-04/16/2026
Open- - Due Diligence Vendor-04/16/2026
Open- - Due Diligence Vendor-04/16/2026

Resolved-**Received PCCD - Due Diligence Vendor-04/23/2026

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000122610     C A C A A A A A Closed FCRE1167 2026-04-16 05:17 2026-04-17 12:07 Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/17/2026
Ready for Review-Hello Team, please see attached the EOI dwelling coverage is xxx and the RCE is only $xxx, so please waive this condition. Thank you - Due Diligence Vendor-04/16/2026
Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided  - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided  - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-04/16/2026

Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/17/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000122644     D A D A A A A A Closed FCRE2000 2026-04-16 13:09 2026-04-17 13:22 Resolved 1 - Information D A Credit Missing Doc - Property Incomplete or Unexecuted Purchase Contract Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/17/2026
Ready for Review-Hello Team, please see attached the EI showing the purchase price is $xxx. In xxx, the Escrow Instructions (EI) may be used as supporting documentation for the purchase contract. Please waive this condition. Thank you - Due Diligence Vendor-04/16/2026
Open-Purchase Contract is Partial copy. Provide complete final sales contract addendum showing final purchase price of $xxx for the subject property - Due Diligence Vendor-04/16/2026

Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/17/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000125030     C A C A A A A A Closed FCRE1198 2026-04-20 08:41 2026-04-21 14:55 Resolved 1 - Information C A Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Resolved-Audited Reserves of 6.42 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/21/2026
Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the cash to close is only $xxx; cash available is $xxx. So the cash left after fund is  $xxx. The reserve is 6 months of P&I= xxx. So, borrower has enough fund for reserve. Please waive this condition. Thank you - Due Diligence Vendor-04/21/2026
Open-Audited Reserves of 4.74 are less than Guideline Required Reserves of 6 Audited Reserves of 4.74 monthare less than Guideline Required  Reserves of 6 month for investment properties. - Due Diligence Vendor-04/20/2026

Resolved-Audited Reserves of 6.42 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/21/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.13 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.13 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 18.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 69.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000124852     D A D A C A A A Closed finding-3712 2026-04-27 14:27 2026-04-30 15:37 Resolved 1 - Information C A Compliance State Reg CA Per Diem Interest Amount Test Resolved-xxx per diem interest disclosure provided, thank you - Due Diligence Vendor-04/30/2026
Ready for Review-Please see the attached PD - Due Diligence Vendor-04/30/2026
Open-PCCD provided resulting in additional findings~~~~~~~  With a disbursement date of xxx. the Per Diem Interest from xxx exceed the MAX allowed per xxx Code, Civil Code - CIV § 2948.5.   Interest overcharged is $xxx - Due Diligence Vendor-04/27/2026
Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-04/27/2026
Open- - Due Diligence Vendor-04/27/2026

Resolved-xxx per diem interest disclosure provided, thank you - Due Diligence Vendor-04/30/2026
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000124852     D A D A C A A A Closed finding-3617 2026-04-21 21:16 2026-04-30 15:37 Resolved 1 - Information C A Compliance TRID TRID Initial Closing Disclosure Date and Funding Date Validation Test Resolved-xxx per diem interest disclosure provided, thank you - Due Diligence Vendor-04/30/2026
Ready for Review-Please see the attached PD - Due Diligence Vendor-04/30/2026
Counter-PCCD provided resulting in additional findings~~~~~~~  With a disbursement date of xxx. the Per Diem Interest from xxx exceed the MAX allowed per xxx Code, Civil Code - CIV § 2948.5.   Interest overcharged is $xxx - Due Diligence Vendor-04/27/2026
Ready for Review- - Due Diligence Vendor-04/27/2026
Resolved- - Due Diligence Vendor-04/27/2026
Ready for Review-Please see the attached PCCD - Due Diligence Vendor-04/24/2026
Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ******* Borrower executed documents on xxx,  after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-04/22/2026
Open- - Due Diligence Vendor-04/22/2026
Open- - Due Diligence Vendor-04/22/2026

Resolved-xxx per diem interest disclosure provided, thank you - Due Diligence Vendor-04/30/2026
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000124852     D A D A C A A A Closed FVAL1310 2026-04-21 18:14 2026-04-27 10:22 Resolved 1 - Information D A Credit Missing Doc HOA Questionnaire is Missing or incomplete Resolved-Detached 1-4 unit property. Condo questionnaire not required.  - Due Diligence Vendor-04/27/2026

Ready for Review-The subject property is a detached condo, and the project review requirement is waived per guidelines. Could you please waive the condition? - Due Diligence Vendor-04/24/2026

Open-HOA Questionnaire Document status is Missing.   Condo HOA missing Questionnaire. - Due Diligence Vendor-04/21/2026

Resolved-Detached 1-4 unit property. Condo questionnaire not required.  - Due Diligence Vendor-04/27/2026

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000123380     C B A A C B A A Closed finding-3721 2026-04-29 18:45 2026-05-07 18:31 Cured 2 - Non-Material C B Compliance TRID TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test Cured-PCCD, and proof of restitution check disbursed via title, has been provided - Due Diligence Vendor-05/07/2026
Resolved- - Due Diligence Vendor-05/07/2026
Ready for Review-Please see attached files. We requested clarification from Escrow and received an updated FSS. They also provided a disbursement ledger showing the original $xxx and the cured $xxx, which we are attaching for reference. Since all supporting documentation is included, we believe this should be sufficient. Could you please review and waive the condition? Thank you very much. - Due Diligence Vendor-05/07/2026
Counter-**Moving the fee to section C alone does not resolve the findings. The lender has the option to cure by providing the borrower a refund within 60 days of discovery (discovery date if xxx). If lender intends to cure, please provide a copy of the refund check, proof of delivery of the refund to the borrower (shipping label with tracking information), LOE, and corrected PCCD. Lender should consult with internal compliance/legal team. - Due Diligence Vendor-05/04/2026
Ready for Review-Could you please confirm whether moving the $xxx fee to Section C would be sufficient? I would like to verify prior to following up. Thank you very much. - Due Diligence Vendor-05/04/2026
Counter-**Received explanation and new revised PCCD fee with Section E final fee amount updated to include the $xxx Substitution of Trustee/Recon fee. Although the fee was placed under Government Recording and Transfer Charges in the FSS, the fee is paid to xxx. It appears fee belongs in Section C but was erroneously placed in the wrong section resulting in the excluding of the fee from the TOP calculations. - Due Diligence Vendor-05/01/2026
Open-***********************PCCD received, data entered, resulting in additional findings.  `````Substitution of Trustee/Recon to xxx excluded from Finance charge.  Finance Charge under-disclosed in the amount of $xxx  - Due Diligence Vendor-04/29/2026
Open-This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from  12 CFR §226.23(h) )The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $xxx. - Due Diligence Vendor-04/29/2026

Cured-PCCD, and proof of restitution check disbursed via title, has been provided - Due Diligence Vendor-05/07/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.08 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000123380     C B A A C B A A Closed finding-3719 2026-04-29 18:45 2026-05-07 18:31 Cured 2 - Non-Material C B Compliance TRID Tolerance TILA Post-Consummation Revised Closing Disclosure Finance Charge Test Cured-PCCD, and proof of restitution check disbursed via title, has been provided - Due Diligence Vendor-05/07/2026
Resolved- - Due Diligence Vendor-05/07/2026
Ready for Review-Please see attached files. We requested clarification from Escrow and received an updated FSS. They also provided a disbursement ledger showing the original $xxx and the cured $xxx, which we are attaching for reference. Since all supporting documentation is included, we believe this should be sufficient. Could you please review and waive the condition? Thank you very much. - Due Diligence Vendor-05/07/2026
Counter-**Moving the fee to section C alone does not resolve the findings. The lender has the option to cure by providing the borrower a refund within 60 days of discovery (discovery date if xxx). If lender intends to cure, please provide a copy of the refund check, proof of delivery of the refund to the borrower (shipping label with tracking information), LOE, and corrected PCCD. Lender should consult with internal compliance/legal team. - Due Diligence Vendor-05/04/2026
Ready for Review-Could you please confirm whether moving the $xxx fee to Section C would be sufficient? I would like to verify prior to following up. Thank you very much. - Due Diligence Vendor-05/04/2026
Counter-**Received explanation and new revised PCCD fee with Section E final fee amount updated to include the $xxx Substitution of Trustee/Recon fee. Although the fee was placed under Government Recording and Transfer Charges in the FSS, the fee is paid to xxx. It appears fee belongs in Section C but was erroneously placed in the wrong section resulting in the excluding of the fee from the TOP calculations. - Due Diligence Vendor-05/01/2026
Ready for Review-I apologize for the clerical error on the Post CD. The $xxx fee for 'Substitution of Trustee/Recon' was mistakenly disclosed under Section H. However, as shown in the attached Certified Final Settlement Statement (FSS), this fee falls under the Government Recording and Transfer Charge category. Accordingly, we are submitting the Corrected Post CD reflecting the fee in the proper section, along with the FSS. We have also included our QM Report as a supporting document, which confirms that the loan passed all Finance Charge and TILA tests when this fee was correctly categorized. Please review the attached and let us know. Thank you. - Due Diligence Vendor-05/01/2026
Open-***********************PCCD received, data entered, resulting in additional findings.  `````Substitution of Trustee/Recon to xxx excluded from Finance charge.  Finance Charge under-disclosed in the amount of $xxx  - Due Diligence Vendor-04/29/2026
Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-04/29/2026

Cured-PCCD, and proof of restitution check disbursed via title, has been provided - Due Diligence Vendor-05/07/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.08 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000123380     C B A A C B A A Closed finding-47 2026-04-21 12:19 2026-05-01 10:40 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-**Received PCCD - Due Diligence Vendor-05/01/2026
Ready for Review-I apologize for the clerical error on the Post CD. The $xxx fee for 'Substitution of Trustee/Recon' was mistakenly disclosed under Section H. However, as shown in the attached Certified Final Settlement Statement (FSS), this fee falls under the Government Recording and Transfer Charge category.
Accordingly, we are submitting the Corrected Post CD reflecting the fee in the proper section, along with the FSS. We have also included our QM Report as a supporting document, which confirms that the loan passed all Finance Charge and TILA tests when this fee was correctly categorized.
Please review the attached and let us know. Thank you. - Due Diligence Vendor-04/30/2026
Counter-PCCD received, data entered, resulting in additional findings.  `````right of recission is resolved - Due Diligence Vendor-04/29/2026
Ready for Review- - Due Diligence Vendor-04/29/2026
Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/28/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of  xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/21/2026
Open- - Due Diligence Vendor-04/21/2026
Open- - Due Diligence Vendor-04/21/2026
Open- - Due Diligence Vendor-04/21/2026
Open- - Due Diligence Vendor-04/21/2026

Resolved-**Received PCCD - Due Diligence Vendor-05/01/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.08 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000123047     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000122365     C A A A C A A A Closed finding-3712 2026-04-22 14:56 2026-04-29 18:54 Resolved 1 - Information C A Compliance State Reg CA Per Diem Interest Amount Test Resolved-xxx disclosure to comply to xxx Code, Civil Code - CIV § 2948.5 has been provided. - Due Diligence Vendor-04/29/2026
Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/28/2026
Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold ($xxx).PLEASE NOTE: An additional $xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. *****Post Consummation Closing Disclosure disbursement date of xxx, Section F per Diem interest ( xxx) exceeds the 1 day allowed by $xxx. xxx disclosure to comply to xxx Code, Civil Code - CIV § 2948.5 has not been provided. - Due Diligence Vendor-04/22/2026
Open- - Due Diligence Vendor-04/22/2026
Open- - Due Diligence Vendor-04/22/2026

Resolved-xxx disclosure to comply to xxx Code, Civil Code - CIV § 2948.5 has been provided. - Due Diligence Vendor-04/29/2026
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000122365     C A A A C A A A Closed FCOM7353 2026-04-22 17:35 2026-04-24 15:06 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/24/2026

Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/23/2026

Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/22/2026

Resolved-***Received confirmation of the application date - Due Diligence Vendor-04/24/2026

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000122589     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other      
4000124607     C A C A A A A A Closed FCRE1254 2026-04-22 09:56 2026-04-24 10:46 Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/24/2026
Ready for Review-Please see the attached deed  - Due Diligence Vendor-04/24/2026
Open-Property Title Issue Missing Intra-family Transfer or Dissolution dated xxx required to complete title history which was then titled in borrowers name. - Due Diligence Vendor-04/22/2026

Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/24/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000123051     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated      
4000124372     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000124850     C A A A C A A A Closed FCOM7353 2026-04-23 12:48 2026-04-24 07:58 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-**Received confirmation of the application date - Due Diligence Vendor-04/24/2026
Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-04/24/2026
Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/23/2026

Resolved-**Received confirmation of the application date - Due Diligence Vendor-04/24/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000126567     C A A A C A A A Closed FCOM7353 2026-04-23 03:30 2026-04-24 08:13 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-Received confirmation of the application date. - Due Diligence Vendor-04/24/2026
Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-04/24/2026
Open- - Due Diligence Vendor-04/23/2026

Resolved-Received confirmation of the application date. - Due Diligence Vendor-04/24/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		 Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you” xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000125029     C A A A C A A A Closed finding-47 2026-04-27 14:16 2026-04-30 14:37 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026
Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/29/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period.  - Due Diligence Vendor-04/28/2026
Open- - Due Diligence Vendor-04/28/2026
Open- - Due Diligence Vendor-04/27/2026
Open- - Due Diligence Vendor-04/27/2026
Open- - Due Diligence Vendor-04/27/2026

Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000123105     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000123060     C A A A C A A A Closed FCOM7353 2026-04-28 19:04 2026-04-30 13:30 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-Lender provided LOS screenshot indicating Application date of xxx - Due Diligence Vendor-04/30/2026
Ready for Review-Here you are. - Due Diligence Vendor-04/29/2026
Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/28/2026

Resolved-Lender provided LOS screenshot indicating Application date of xxx - Due Diligence Vendor-04/30/2026
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -   Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More -   Calculated DTI Of 41.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More -   Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points -   Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx
4000122543     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000123391     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA      
4000122819     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other      
4000124505     A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA      
4000124129     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000125033     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000124511     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA      
4000127595     A A A A A A A A             A A                   ATR/QM: Exempt ATR/QM: Exempt xxx xxx Primary Residence Purchase NA      
4000124569     C A A A C A A A Closed finding-47 2026-05-08 16:27 2026-05-12 18:47 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/12/2026
Ready for Review-Please see the attached POST CD - Due Diligence Vendor-05/12/2026
Open- - Due Diligence Vendor-05/11/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period.  - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/08/2026

Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/12/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000125415     C A A A C A A A Closed finding-47 2026-05-11 10:14 2026-05-12 19:14 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/12/2026
Ready for Review-Hello Team, please see attached PCCD, thank you. - Due Diligence Vendor-05/11/2026
Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026

Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/12/2026

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A xxx
4000124859     C A A A C A A A Closed FCOM7353 2026-05-12 12:29 2026-05-14 07:41 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-***Received confirmation of the application date - Due Diligence Vendor-05/14/2026

Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/14/2026

Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/12/2026

Resolved-***Received confirmation of the application date - Due Diligence Vendor-05/14/2026

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A xxx