Exhibit 99.04 Schedule 4
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | 4000102624 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-11-24 13:59 | 2025-11-26 15:22 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received supplement confirming child support lien
removed. - Due Diligence
Vendor-11/26/2025 Ready for Review-Document Uploaded. Please refer to the supplemental report regarding the child support judgement. It is already included in the package. - Seller-11/24/2025 Open-Property Title Issue Open child support judgement noted on title that has not been addressed. Provide proof paid and released - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. Please refer to the
supplemental report regarding the child support judgement. It is already
included in the package. - Seller-11/24/2025 |
Resolved-Received supplement confirming child support lien
removed. - Due Diligence
Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 796 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.88 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6369093 | ||
| XXXX | 4000113352 | D | B | D | A | B | B | A | A | Closed | FCRE1150 | 2026-02-04 14:35 | 2026-06-19 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Title Supp indicates #8 will not show on Final Title
Policy - Due Diligence Vendor-02/27/2026 Ready for Review-Rebuttal - See below. https://selling-guide.fanniemae.com/sel/b2-3-04/special-property-eligibility-considerations Financed and collateralized -- the solar panels are reported to be collateral for separate (non-mortgage) debt used to purchase the panels, but do not appear on the title report. The financed solar not on the title report is required to subordinate based on FNMA guideline. The financing item was removed from the final policy and UCC recording was terminated as document attached in the closing package. Even if the solar is re-recorded after closing XXXX loan goes to 1st and Solar goes to 2nd automatically. Thus, there is no need to provide the subordination agreement. Please waive the condition. - Seller-02/25/2026 Ready for Review-Document Uploaded. Uploaded. See Supplemental Report dated XXXX will not show on the Final Title Policy. - Seller-02/25/2026 Counter-Received email from title confirming UCC will be released and refiled. Missing proof XXXX financed amount has been paid in full as not reflecting on final CD. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Uploaded. See Title email and UCC Recorded. Per title ( XXXX does not subordinate their UCCs, see attached ). - Seller-02/13/2026 Counter-Solar agreement provided, however we are missing the subordination agreement. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. Uploaded. Subordination Agreement. - Seller-02/04/2026 Open-Missing subordination agreement for XXXX. - Due Diligence Vendor-02/04/2026 |
Ready for Review-Rebuttal - See below. https://selling-guide.fanniemae.com/sel/b2-3-04/special-property-eligibility-considerations Financed and collateralized -- the solar panels are reported to be collateral for separate (non-mortgage) debt used to purchase the panels, but do not appear on the title report. The financed solar not on the title report is required to subordinate based on FNMA guideline. The financing item was removed from the final policy and UCC recording was terminated as document attached in the closing package. Even if the solar is re-recorded after closing XXXXI loan goes to 1st and Solar goes to 2nd automatically. Thus, there is no need to provide the subordination agreement. Please waive the condition. - Seller-02/25/2026 Ready for Review-Document Uploaded. Uploaded. See Supplemental Report dated XXXX will not show on the Final Title Policy. - Seller-02/25/2026 Ready for Review-Document Uploaded. Uploaded. See Title email and UCC Recorded. Per title ( XXXX does not subordinate their UCCs, see attached ). - Seller-02/13/2026 Ready for Review-Document Uploaded. Uploaded. Subordination Agreement. - Seller-02/04/2026 |
Resolved-Title Supp indicates #8 will not show on Final Title
Policy - Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 795 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.85 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7446648 | ||
| XXXX | 4000113352 | D | B | D | A | B | B | A | A | Closed | FCRE1437 | 2026-02-04 13:23 | 2026-02-06 14:44 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Internet Search - Due Diligence
Vendor-02/06/2026 Ready for Review-Document Uploaded. Uploaded. XXXX. - Seller-02/04/2026 Open-Income and Employment Do Not Meet Guidelines Missing business phone number verification via XXXX. - Due Diligence Vendor-02/04/2026 |
Ready for Review-Document Uploaded. Uploaded. XXXX. -
Seller-02/04/2026 |
Resolved-Received Internet Search - Due Diligence
Vendor-02/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 795 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.85 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7445071 | ||
| XXXX | 4000113352 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-02-02 12:30 | 2026-02-02 12:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-02/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 795 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.85 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7401265 | ||||
| XXXX | 4000115676 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-02-23 17:28 | 2026-02-27 08:35 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal received matching Desk Review. 2 Full Appraisals - lowest Sales Price used
for LTV - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Seller-02/25/2026 Open-Appraisal is Missing Appraisal completed on XXXX referenced on the desk review is missing. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. - Seller-02/25/2026 |
Resolved-Appraisal received matching Desk Review. 2 Full Appraisals - lowest Sales Price used
for LTV - Due Diligence Vendor-02/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 27.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7766107 | ||
| XXXX | 4000119384 | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000117599 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-02-23 11:01 | 2026-03-23 11:13 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD. Finding resolved. - Due Diligence
Vendor-03/23/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-03/19/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -------Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/23/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. -
Seller-03/19/2026 |
Resolved-Received PCCD. Finding resolved. - Due Diligence
Vendor-03/23/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
62.58 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7755968 | ||
| XXXX | 4000118043 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-02-25 20:02 | 2026-03-24 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-03/24/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-03/20/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull
Credit Report. - Seller-03/20/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-03/24/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.23 LTV is less than guideline maximum - Required is 80 Borrower has 61.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7813559 | ||
| XXXX | 4000118043 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-02-24 11:38 | 2026-02-24 11:38 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/24/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/24/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.23 LTV is less than guideline maximum - Required is 80 Borrower has 61.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 7781408 | ||||
| XXXX | 4000122002 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-03-05 14:00 | 2026-03-26 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received OFAC and SAM clearances. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Uploaded. See GSA/LDP and OFAC Results. - Seller-03/24/2026 Counter-Finding remains. Add Appraiser Name, Sales Assoc, Listing Sales Assoc, Cooperating Broker, Listing Broker. Clear any OFAC/EPLS - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX letter approval. - Seller-03/17/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Uploaded. See GSA/LDP and
OFAC Results. - Seller-03/24/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX letter approval. - Seller-03/17/2026 |
Resolved-Received OFAC and SAM clearances. - Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 779 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.28 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7950363 | ||
| XXXX | 4000118605 | D | B | D | A | C | B | A | A | Closed | finding-3617 | 2026-03-05 08:44 | 2026-03-20 10:42 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD with disbursement date after closing.
Finding Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-03/19/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. PCCD attached - Seller-03/19/2026 |
Resolved-Received PCCD with disbursement date after closing.
Finding Resolved. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has
80 Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.23 Required is 49.99 Borrower has 8.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7941166 | ||
| XXXX | 4000118605 | D | B | D | A | C | B | A | A | Closed | FCRE1437 | 2026-03-06 10:58 | 2026-03-13 08:35 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received internet search of company. - Due Diligence
Vendor-03/13/2026 Ready for Review-Document Uploaded. XXXX search attached - Seller-03/11/2026 Open-Income and Employment Do Not Meet Guidelines Missing business number search, business phone number must be verifiable via XXXX. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. XXXX search attached - Seller-03/11/2026 |
Resolved-Received internet search of company. - Due Diligence
Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has
80 Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.23 Required is 49.99 Borrower has 8.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7972299 | ||
| XXXX | 4000118605 | D | B | D | A | C | B | A | A | Closed | FCRE5782 | 2026-03-06 11:05 | 2026-03-13 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report with no new inquiries since
original credit report. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Soft pull attached - Seller-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. Soft pull attached - Seller-03/11/2026 |
Resolved-Received Gap report with no new inquiries since
original credit report. - Due Diligence Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has
80 Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.23 Required is 49.99 Borrower has 8.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7972434 | ||
| XXXX | 4000118605 | D | B | D | A | C | B | A | A | Closed | FCOM1301 | 2026-03-05 08:33 | 2026-03-05 09:00 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator
waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Originator
waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has
80 Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.23 Required is 49.99 Borrower has 8.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7940577 | ||||
| XXXX | 4000118984 | D | B | D | A | B | B | A | A | Closed | FCOM9700 | 2026-03-03 11:09 | 2026-03-09 19:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property 1: Other Property Insurance Policy Missing or Incomplete | Resolved-Received updated 1003 and 1008 removing fee. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please find the attached 1008 and post 1003. $185.71 was incorrectly input for pitia. It doesn't exist. - Seller-03/06/2026 Open-For the subject property, lender included $185.71 in proposed payment. Missing documentation to support this amount. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. Please find the attached
1008 and post 1003. $185.71 was incorrectly input for pitia. It doesn't
exist. - Seller-03/06/2026 |
Resolved-Received updated 1003 and 1008 removing fee. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 807 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.02 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7897052 | ||
| XXXX | 4000118984 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-03-02 12:53 | 2026-03-02 19:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings - Due Diligence Vendor-03/02/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings - Due Diligence
Vendor-03/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 807 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7876775 | ||||
| XXXX | 4000123071 | C | B | C | A | C | B | A | A | Closed | FCRE9501 | 2026-03-09 11:14 | 2026-03-25 10:54 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-PCCD not required to be executed per Client Support -
Due Diligence Vendor-03/23/2026 Ready for Review-I appreciate your review of the closing documentation. The first PCCD was issued due to a change in the Disbursement Date. The second PCCD followed to reflect the finalized closing figures resulting from that change. Regarding the lack of signature on the second PCCD, it was issued for post-consummation adjustments. - Seller-03/23/2026 Counter-Client has provided what appears to be a 2nd PCCD. Please explain why there are 2 PCCD's and the 2nd one provided is not executed - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/18/2026 Counter-Total verified assets are XXXX which includes the 2 gifts. Finding remains - Due Diligence Vendor-03/13/2026 Ready for Review-Current Verified Assets: XXXX Gift Funds: $35,000.00 Total Combined Assets: XXXX The Required Reserves amount is XXXX (calculated as 4 months of Subject P&I). With the total assets of XXXX, the borrower has sufficient funds to cover both the closing costs and the full reserve requirement. All supporting documentation, including the Gift Letter, is available in the file. I appreciate it if you could re-review these figures and clear this condition at your earliest convenience. - Seller-03/11/2026 Open-Total Qualified Assets Post-Close amount is '$-25478.8'. Assets are Insufficient. Short funds to close in the amount of XXXX. - Due Diligence Vendor-03/09/2026 |
Ready for Review-I appreciate your review of the closing
documentation. The first PCCD was issued due to a change in the Disbursement Date. The second PCCD followed to reflect the finalized closing figures resulting from that change. Regarding the lack of signature on the second PCCD, it was issued for post-consummation adjustments. - Seller-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/18/2026 Ready for Review-Current Verified Assets: XXXX Gift Funds: $35,000.00 Total Combined Assets: XXXX The Required Reserves amount is XXXX (calculated as 4 months of Subject P&I). With the total assets of XXXX, the borrower has sufficient funds to cover both the closing costs and the full reserve requirement. All supporting documentation, including the Gift Letter, is available in the file. I appreciate it if you could re-review these figures and clear this condition at your earliest convenience. - Seller-03/11/2026 |
Resolved-PCCD not required to be executed per Client Support -
Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7997920 | ||
| XXXX | 4000123071 | C | B | C | A | C | B | A | A | Closed | FCRE1198 | 2026-03-09 11:22 | 2026-03-23 12:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-PCCD not required to be executed per Client Support -
Due Diligence Vendor-03/23/2026 Ready for Review-I appreciate your review of the closing documentation. The first PCCD was issued due to a change in the Disbursement Date. The second PCCD followed to reflect the finalized closing figures resulting from that change. Regarding the lack of signature on the second PCCD, it was issued for post-consummation adjustments. - Seller-03/23/2026 Counter-Client has provided what appears to be a 2nd PCCD. Please explain why there are 2 PCCD's and the 2nd one provided is not executed - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/18/2026 Counter-Total verified assets are XXXX which includes the 2 gifts. Finding remains - Due Diligence Vendor-03/13/2026 Ready for Review-Current Verified Assets: XXXX Gift Funds: $35,000.00 Total Combined Assets: XXXX The Required Reserves amount is XXXX (calculated as 4 months of Subject P&I). With the total assets of XXXX, the borrower has sufficient funds to cover both the closing costs and the full reserve requirement. All supporting documentation, including the Gift Letter, is available in the file. I appreciate it if you could re-review these figures and clear this condition at your earliest convenience. - Seller-03/11/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Per the guidelines 4 months reserves of P&I are required, loan is short funds to close. - Due Diligence Vendor-03/09/2026 |
Ready for Review-I appreciate your review of the closing
documentation. The first PCCD was issued due to a change in the Disbursement Date. The second PCCD followed to reflect the finalized closing figures resulting from that change. Regarding the lack of signature on the second PCCD, it was issued for post-consummation adjustments. - Seller-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/18/2026 Ready for Review-Current Verified Assets: XXXX Gift Funds: $35,000.00 Total Combined Assets:XXXX The Required Reserves amount is XXXX (calculated as 4 months of Subject P&I). With the total assets of XXXX, the borrower has sufficient funds to cover both the closing costs and the full reserve requirement. All supporting documentation, including the Gift Letter, is available in the file. I appreciate it if you could re-review these figures and clear this condition at your earliest convenience. - Seller-03/11/2026 |
Resolved-PCCD not required to be executed per Client Support -
Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7998058 | ||
| XXXX | 4000123071 | C | B | C | A | C | B | A | A | Closed | FCRE1206 | 2026-03-09 10:50 | 2026-03-13 07:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided Approval from XXXX. All Interested
Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/13/2026
Ready for Review-Document Uploaded. The document was already included in the original package (Page 56), but I am re-attaching it for your convenience - Seller-03/11/2026 Counter-Received updated fraud report. Missing Score >800 management approval. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing the real estate agents for the seller and the buyer and the borrowers employer. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. The document was already
included in the original package (Page 56), but I am re-attaching it for your
convenience - Seller-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 |
Resolved-Client provided Approval from XXXX. All Interested
Parties Checked against Exclusionary Lists - Due Diligence
Vendor-03/13/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7997359 | ||
| XXXX | 4000123071 | C | B | C | A | C | B | A | A | Closed | FCOM5814 | 2026-03-06 13:44 | 2026-03-12 10:46 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received confirmation of Broker compensation. Finding
Resolved. - Due Diligence Vendor-03/12/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-03/11/2026 Open------The Final CD has a loan origination fee and it is unclear if the charge is a true origination charge or lender paid broker compensation. Additional findings may apply. - Due Diligence Vendor-03/06/2026 |
Ready for Review-It's a lender paid broker compensation fee.
Please clear this condition. -
Seller-03/11/2026 |
Resolved-Received confirmation of Broker compensation. Finding
Resolved. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7976575 | |||
| XXXX | 4000123071 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2026-03-06 12:58 | 2026-03-06 12:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/06/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-03/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7975587 | ||||
| XXXX | 4000123078 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2026-03-12 05:38 | 2026-03-17 13:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower was living rent free with Husband at the
previous address. VOR reflects Husbands name and the payment is $4200.
Housing History Meets Guideline Requirements - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. VOR is under the husband. Husband is the only person on the lease so the borrower(wife) is rent free. - Seller-03/13/2026 Open-Housing History Does Not Meet Guideline Requirements The loan application indicates the borrower's lived at the previous address for 2 years paying rent of $4,500. The file contains a LOX indicating the borrower has lived rent free from XXXX at the previous address; however, the file contains a VOR dated XXXX reflecting the borrower paid rent of $4,200 monthly. Please provide explanation for discrepancy. Subject to additional conditions. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. VOR is under the husband.
Husband is the only person on the lease so the borrower(wife) is rent
free. - Seller-03/13/2026 |
Resolved-Borrower was living rent free with Husband at the
previous address. VOR reflects Husbands name and the payment is $4200.
Housing History Meets Guideline Requirements - Due Diligence
Vendor-03/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.46 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8063084 | ||
| XXXX | 4000123078 | C | B | C | A | B | B | A | A | Closed | FCOM1267 | 2026-03-09 12:17 | 2026-03-09 12:19 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX` and Occupancy is Primary Residence) -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/09/2026 | Waived-Homeownership Counseling Disclosure Is Partially Provided
(Date Creditor Received Application is XXXX and Occupancy is Primary
Residence) -----Originator waiver applied to non-material findings. - Due
Diligence Vendor-03/09/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.46 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8000092 | ||||
| XXXX | 4000123414 | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-03-16 10:30 | 2026-03-24 14:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested
parties. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/23/2026 Counter-Finding remains. Missing XXXX and correct spelling of Seller name - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Please review the reviewed XXXX. - Seller-03/18/2026 Open-All Interested Parties Not Checked with Exclusionary Lists missing seller, real estate agents/company - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. - Seller-03/23/2026 Ready for Review-Document Uploaded. Please review the reviewed loan safe. - Seller-03/18/2026 |
Resolved-Received updated fraud report reflecting all interested
parties. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 791 LTV is less than guideline maximum - Required is 75 Borrower has 31.37 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.344 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8126406 | ||
| XXXX | 4000123414 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-03-16 10:20 | 2026-03-20 09:14 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Disbursement date is XXXX which is after effective date
of HOI - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/17/2026 Open-Hazard Insurance Effective Date of XXXX - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. - Seller-03/17/2026 |
Resolved-Disbursement date is XXXX which is after effective date
of HOI - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 791 LTV is less than guideline maximum - Required is 75 Borrower has 31.37 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.344 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8126075 | ||
| XXXX | 4000123309 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-03-12 18:22 | 2026-03-17 14:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided previous Policy to show continuous
coverage. Hazard Insurance - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. as provided in the closing package, we provided both renewal and the current EOI. Please remove the condition - Seller-03/16/2026 Open-Hazard Insurance Effective Date of XXXX - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. as provided in the closing
package, we provided both renewal and the current EOI. Please remove the
condition - Seller-03/16/2026 |
Resolved-Client provided previous Policy to show continuous
coverage. Hazard Insurance - Due Diligence Vendor-03/17/2026 |
Long term residence - 11 yrs at current residence LTV is less than guideline maximum - 60% LTV, max 65% LTV required Months Reserves exceed minimum required - 29.69 months reserves, 9 months reserves required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8083345 | ||
| XXXX | 4000121087 | D | B | D | A | C | B | A | A | Closed | FCRE8611 | 2026-03-18 10:16 | 2026-03-23 15:21 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, file contained all income
documentation. - Due Diligence
Vendor-03/23/2026 Ready for Review-please waive and re review cpa letter stating business listing is not required - Seller-03/20/2026 Open-Missing verification of business phone number via XXXX. - Due Diligence Vendor-03/18/2026 |
Ready for Review-please waive
and re review cpa letter stating business listing is not required - Seller-03/20/2026 |
Resolved-Upon further review, file contained all income
documentation. - Due Diligence
Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 768 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8182892 | |||
| XXXX | 4000121087 | D | B | D | A | C | B | A | A | Closed | FCRE5782 | 2026-03-17 12:43 | 2026-03-23 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 768 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8156611 | ||
| XXXX | 4000121087 | D | B | D | A | C | B | A | A | Closed | finding-3617 | 2026-03-16 10:50 | 2026-03-23 12:01 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-03/23/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-03/20/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX. Provide evidence the loan did not disburse prior to closing. Non Curable - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document Uploaded. PCCD attached - Seller-03/20/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 768 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8127244 | ||
| XXXX | 4000121087 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-03-16 10:07 | 2026-03-16 10:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/16/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 768 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8125717 | ||||
| XXXX | 4000121069 | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2026-03-17 18:54 | 2026-04-09 15:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance. - Due Diligence
Vendor-04/09/2026 Ready for Review-Document Uploaded. Uploaded. OFAC Sellers Business. - Seller-04/07/2026 Counter-Received OFAC for individual. Missing Sellers business name: XXXX OFAC clearance. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Uploaded. See OFAC Results. - Seller-04/03/2026 Open-OFAC Check Not Completed and/or Cleared The seller's name was not ran under OFAC. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Uploaded. OFAC Sellers
Business. - Seller-04/07/2026 Ready for Review-Document Uploaded. Uploaded. See OFAC Results. - Seller-04/03/2026 |
Resolved-Received OFAC clearance. - Due Diligence
Vendor-04/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 816 LTV is less than guideline maximum - Required is 90 Borrower has 79.99 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 4.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8170166 | ||
| XXXX | 4000121069 | D | A | D | A | A | A | A | A | Closed | FCRE1334 | 2026-03-17 18:45 | 2026-04-06 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Upon further review, the loan file contained all
required income documentation. - Due
Diligence Vendor-04/06/2026 Ready for Review-Rebuttal: Form 44506 is not required on Non QM loan. - Seller-04/03/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing A 4506 form is missing from the file, regardless of what the guidelines require. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Rebuttal: Form 44506 is not required on Non QM
loan. - Seller-04/03/2026 |
Resolved-Upon further review, the loan file contained all
required income documentation. - Due
Diligence Vendor-04/06/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 816 LTV is less than guideline maximum - Required is 90 Borrower has 79.99 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 4.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8169954 | |||
| XXXX | 4000121070 | C | B | C | A | B | B | A | A | Closed | FCRE8013 | 2026-03-18 08:55 | 2026-07-31 10:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-COS addendum provided for XXXX - Due Diligence
Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Final CD shows a purchase price of XXXX, which Lender used to calculate 80% LTV. However, the Purchase Contract and Appraisal both reflect the agreed upon sales price is XXXX. Lender to provide an addendum to Purchase Contract (executed by both parties) agreeing to the increase in purchase price to XXXX. Additional conditions may apply. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 |
Resolved-COS addendum provided for XXXX - Due Diligence
Vendor-03/25/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.3 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8180894 | ||
| XXXX | 4000121070 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-16 09:43 | 2026-03-16 09:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/16/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material findings. - Due Diligence
Vendor-03/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.3 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8125004 | ||||
| XXXX | 4000121443 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2026-03-17 17:19 | 2026-03-26 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit has been provided. - Due
Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see the following page. - Seller-03/24/2026 Counter-Client provided page 1 of BP Affidavit, still missing signature page - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the complete Business Purpose Affidavit Disclosure. - Seller-03/20/2026 Open-The Business Purpose Affidavit Disclosure is Missing Missing fully executed Business Purpose Affidavit, disclosure in-file incomplete. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see the following
page. - Seller-03/24/2026 Ready for Review-Document Uploaded. Please see the complete Business Purpose Affidavit Disclosure. - Seller-03/20/2026 |
Resolved-The Business Purpose Affidavit has been provided. - Due
Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 762 LTV is less than guideline maximum - Required is 80 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - XXXX Per guides XXXX XXXX, minimum DSCR 1.0 Required is 0 Borrower has 1.001 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8165096 | ||
| XXXX | 4000121443 | D | A | D | A | A | A | A | A | Closed | FCRE1481 | 2026-03-17 19:47 | 2026-03-26 12:29 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated guides provided. Source of large deposits is not required. -
Due Diligence Vendor-03/26/2026 Ready for Review-Could you please waive this condition? Per XXXX guidelines, a large deposit source is not required. - Seller-03/20/2026 Open-Asset Record 3 Does Not Meet G/L Requirements XXXX acct balance reflects 6 large unsourced deposits on XXXX totaling $260K. Per guides XXXX: source of large deposits must be documented if not related to normal transaction activity. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Could you please waive this condition? Per XXXX
guidelines, a large deposit source is not required. - Seller-03/20/2026 |
Resolved-Updated guides provided. Source of large deposits is not required. -
Due Diligence Vendor-03/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 762 LTV is less than guideline maximum - Required is 80 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less -XXXX, minimum DSCR 1.0 Required is 0 Borrower has 1.001 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8171080 | |||
| XXXX | 4000121443 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-03-17 18:41 | 2026-03-23 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the letter. - Seller-03/20/2026 Open-Third Party Fraud Report Partially Provided Missing UW Fraud Report Review, score <800 - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document Uploaded. Please see the letter. -
Seller-03/20/2026 |
Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-03/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 762 LTV is less than guideline maximum - Required is 80 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - XXXX XXXX, minimum DSCR 1.0 Required is 0 Borrower has 1.001 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8169873 | ||
| XXXX | 4000121083 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000121440 | C | B | C | A | B | B | A | A | Closed | FCRE1491 | 2026-03-19 12:05 | 2026-03-26 15:11 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Post CD reflects the funds were returned and deposited
in error (section H 01). - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please refer to the section H in the Post CD. The XXXX represents funds refunded to the borrower. - Seller-03/25/2026 Counter-Received rebuttal. Please address original finding. - Due Diligence Vendor-03/24/2026 Ready for Review-The XXXX represents funds refunded to the borrower. Therefore, there is no issue with the absence of a gift letter for these funds, and we respectfully request that this condition be removed. - Seller-03/23/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Final CD XXXX indicated Borr received XXXX at closing. Deposits totaling $204K from gift funds documented in file. An additional $80K from XXXX was listed however, no gift letter in file for the $80K being refunded to Borr, Per guides XXXX, UTD funds being refunded to Borr does not require repayment. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Please refer to the section
H in the Post CD. The XXXX represents funds refunded to the borrower. -
Seller-03/25/2026 Ready for Review-The XXXX represents funds refunded to the borrower. Therefore, there is no issue with the absence of a gift letter for these funds, and we respectfully request that this condition be removed. - Seller-03/23/2026 |
Resolved-Post CD reflects the funds were returned and deposited
in error (section H 01). - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
71.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8214592 | ||
| XXXX | 4000121440 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-18 12:48 | 2026-03-18 22:19 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-03/18/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
71.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8187697 | ||||
| XXXX | 4000121430 | D | B | D | A | C | B | A | A | Closed | finding-3352 | 2026-03-23 17:10 | 2026-08-03 09:36 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-08/03/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/23/2026 Ready for Review-This loan failed the higher-priced mortgage loan (HPML) test; however, an impound account has been established for property taxes and insurance, which satisfies the HPML escrow requirement. Given that all other HPML provisions are met, we respectfully request that HPML-related condition be cleared. - Seller-03/25/2026 |
Ready for Review-This loan failed the higher-priced mortgage
loan (HPML) test; however, an impound account has been established for
property taxes and insurance, which satisfies the HPML escrow requirement.
Given that all other HPML provisions are met, we respectfully request that
HPML-related condition be cleared. - Seller-03/25/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-08/03/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.17 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8274743 | |||
| XXXX | 4000121430 | D | B | D | A | C | B | A | A | Closed | FCRE1334 | 2026-03-24 14:28 | 2026-03-26 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Borrower 1 Executed 4506-T/4506-C is not required on
WVOE program. - Due Diligence Vendor-03/26/2026 Ready for Review-Could you please confirm whether the 4506-C is required? I’m not sure it is, as this is a non-QM file. - Seller-03/25/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-T/4506-C is absent the loan file, regarding of lender guides. Additional conditions may apply, pending review. - Due Diligence Vendor-03/24/2026 |
Ready for Review-Could you please confirm whether the 4506-C is
required? I’m not sure it is, as this is a non-QM file. -
Seller-03/25/2026 |
Resolved-Borrower 1 Executed 4506-T/4506-C is not required on
WVOE program. - Due Diligence Vendor-03/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.17 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8296156 | |||
| XXXX | 4000121430 | D | B | D | A | C | B | A | A | Closed | FCOM1267 | 2026-03-23 18:55 | 2026-03-23 18:55 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided
(Date Creditor Received Application is XXXX and Occupancy is Primary
Residence) Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Waived-Homeownership Counseling Disclosure Is Partially Provided
(Date Creditor Received Application is XXXX and Occupancy is Primary
Residence) Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.17 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8276253 | ||||
| XXXX | 4000123095 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000121729 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000122301 | D | B | A | A | D | B | A | A | Closed | FCOM5135 | 2026-03-27 14:22 | 2026-04-03 11:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Service provider list showing payee in section
is not an affiliate. Finding Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Counter-The Payee for title fees in Section B of the Final CD is not listed on the Service Provider list. Finding Remains. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Affiliated biz disclosure is already included in the package. - Seller-04/01/2026 Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/28/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 Ready for Review-Document Uploaded. Affiliated biz disclosure is already included in the package. - Seller-04/01/2026 |
Resolved-Received Service provider list showing payee in section
is not an affiliate. Finding Resolved. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.43 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8364722 | ||
| XXXX | 4000122301 | D | B | A | A | D | B | A | A | Closed | FCOM1353 | 2026-03-28 19:56 | 2026-03-28 19:56 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/28/2026 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of
H9 form. Finding is deemed non-material. Originator waiver applied to
non-material Findings. - Due Diligence
Vendor-03/28/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.43 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 8372765 | ||||
| XXXX | 4000122715 | C | A | A | A | C | A | A | A | Closed | finding-3352 | 2026-04-02 10:11 | 2026-08-03 09:37 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-08/03/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/02/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-08/03/2026 |
Months Reserves exceed minimum required - 20.36mos reserves. Per
guides, 4 reserves required Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.16 Required is 49.99 Borrower has 33.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8452642 | ||||
| XXXX | 4000122712 | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-04-06 21:27 | 2026-04-20 12:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received LOE confirming intent to retain property. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see the letter - Seller-04/16/2026 Open-Property Issues are identified for the property Property listed for XXXX . Loan file is absent letter of intent to keep the subject property. Additional conditions may apply, pending review. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. Please see the letter -
Seller-04/16/2026 |
Resolved-Received LOE confirming intent to retain property. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 698 LTV is less than guideline maximum - Required is 70 Borrower has 60.71 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8514256 | ||
| XXXX | 4000122719 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000124844 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000123419 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-10 12:31 | 2026-04-10 12:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-04/10/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material findings - Due Diligence
Vendor-04/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.01 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8597976 | ||||
| XXXX | 4000124826 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2026-04-13 13:31 | 2026-04-16 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received The HOA Questionnaire Document and Structural
report (all clear) - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-04/15/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire or condo warranty form - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-04/15/2026 |
Resolved-Received The HOA Questionnaire Document and Structural
report (all clear) - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 34.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8628366 | ||
| XXXX | 4000125712 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-04-21 21:14 | 2026-04-27 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-04/27/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-04/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.86 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8807701 | ||
| XXXX | 4000125712 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-04-20 10:44 | 2026-04-20 10:44 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 751 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.86 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8768314 | ||||
| XXXX | 4000124827 | C | A | C | A | A | A | A | A | Closed | FCRE1445 | 2026-04-15 12:48 | 2026-04-24 13:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Expired | Resolved-Received confirmation to remove Life Insurance from
reserves. - Due Diligence
Vendor-04/24/2026 Ready for Review-Could you please remove the life insurance from the assets? - Seller-04/23/2026 Counter-Review received page 1 of insurance statement dated XXXX. Statement is expired and incomplete. All pages required, confirmation policy is still active with current cash surrender value validated with printout or statement from insurer. - Due Diligence Vendor-04/20/2026 Ready for Review-The policy is still active. The annual policy will renew on XXXX- Seller-04/16/2026 Open-Asset 3 Expired Provide most recent statement Life Insurance Asset Statement, the one provided is dated XXXX. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Could you please remove the life insurance from
the assets? - Seller-04/23/2026 Ready for Review-The policy is still active. The annual policy will renew on XXXX - Seller-04/16/2026 |
Resolved-Received confirmation to remove Life Insurance from
reserves. - Due Diligence
Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 740 Borrower has 808 LTV is less than guideline maximum - Required is 75 Borrower has 69.94 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8682658 | |||
| XXXX | 4000125166 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000127433 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000124447 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000122460 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-15 20:49 | 2026-04-15 20:49 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.4 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8694513 | ||||
| XXXX | 4000123090 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000123507 | C | A | C | A | A | A | A | A | Closed | FCRE6763 | 2026-05-06 17:29 | 2026-07-31 11:24 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received validation of business phone number. - Due Diligence Vendor-07/31/2026 Open-Income documentation does not meet guidelines-Business phone number verification via XXXX was not provided. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Hello Please See XXXX - Seller-05/08/2026 |
Ready for Review-Document Uploaded. Hello Please See XXXX -
Seller-05/08/2026 |
Resolved-Received validation of business phone number. - Due Diligence Vendor-07/31/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 30.13 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9072432 | ||
| XXXX | 4000123507 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-06 16:53 | 2026-05-13 12:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation all high alerts cleared on fraud
report. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see the cleared fraud report - Seller-05/12/2026 Open-Fraud Report Shows Uncleared Alerts. Provide a revised Fraud Report reflecting all high red alerts cleared. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Please see the cleared fraud
report - Seller-05/12/2026 |
Resolved-Received confirmation all high alerts cleared on fraud
report. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 30.13 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9071801 | ||
| XXXX | 4000123507 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-05-06 14:49 | 2026-05-12 10:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of
XXXX. - Due Diligence
Vendor-05/12/2026 Ready for Review-Document Uploaded. Please See PCCD for the Disbursement Date. - Seller-05/08/2026 Open-Hazard Insurance Effective Date of XXXX Need proof of insurance with effective date of XXXX - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Please See PCCD for the
Disbursement Date. - Seller-05/08/2026 |
Resolved-Received PCCD confirming disbursement date of
XXXX. - Due Diligence
Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 30.13 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9069210 | ||
| XXXX | 4000125713 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000123303 | D | B | D | A | B | B | A | A | Closed | FCRE1506 | 2026-04-30 12:34 | 2026-05-19 15:10 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received payment history. - Due Diligence
Vendor-05/19/2026 Ready for Review-Are you not referring to the subject property, XXXX? - Seller-05/15/2026 Counter-Review only received 1 statement reflecting XXXX payment made. Missing complete statements for payment history. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Could you waive this condition please? Per VOM, the borrower owned the property since XXXX. - Seller-05/13/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history conditions. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Are you not referring to the subject property,
XXXX? - Seller-05/15/2026 Ready for Review-Document Uploaded. Could you waive this condition please? Per VOM, the borrower owned the property since XXXX. - Seller-05/13/2026 |
Resolved-Received payment history. - Due Diligence
Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 783 Required is 700 Borrower has
783 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.12 Required is 49.99 Borrower has 41.12 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8973982 | ||
| XXXX | 4000123303 | D | B | D | A | B | B | A | A | Closed | FCRE1764 | 2026-04-30 11:09 | 2026-05-19 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received acceptable transaction history. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Please see the transaction history - Seller-05/15/2026 Counter-Review only received 1 statement reflecting XXXX payment made. Missing complete statements for payment history. - Due Diligence Vendor-05/15/2026 Ready for Review-Could you please elaborate why the XXXX transaction history is unacceptable? - Seller-05/13/2026 Open-Missing an acceptable payment history for the mortgage that secured the recently purchased property located at XXXX. It is for XXXX. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. Please see the transaction
history - Seller-05/15/2026 Ready for Review-Could you please elaborate why the XXXX transaction history is unacceptable? - Seller-05/13/2026 |
Resolved-Received acceptable transaction history. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 783 Required is 700 Borrower has
783 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.12 Required is 49.99 Borrower has 41.12 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8971399 | ||
| XXXX | 4000123303 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-04-29 10:12 | 2026-04-29 10:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-04/29/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 783 Required is 700 Borrower has
783 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.12 Required is 49.99 Borrower has 41.12 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8946542 | ||||
| XXXX | 4000123088 | C | A | C | A | A | A | A | A | Closed | FCRE0197 | 2026-05-01 16:31 | 2026-05-18 13:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received buyer and seller final settlement statement. -
Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/14/2026 Counter-Received seller final settlement statement dated XXXX. Missing final borrower settlement statement/CD reflecting disbursement date of XXXX - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/12/2026 Counter-Received seller settlement statement reflecting disbursement date of XXXX. Review received borrower settlement statement reflecting disbursement date of XXXX. Please provide final for borrower. Seller Settlement statement does not reflect payoff #3 of schedule B. Confirm XXXX. Email from title is acceptable. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/06/2026 Open-The Final SELLER CD/HUD is missing. Missing Final Seller CD/HUD - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document Uploaded. Please see attached -
Seller-05/14/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/12/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/06/2026 |
Resolved-Received buyer and seller final settlement statement. -
Due Diligence Vendor-05/18/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 814 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.12 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9008625 | ||
| XXXX | 4000125158 | D | B | D | A | C | B | A | A | Closed | FCOM9998 | 2026-05-04 12:34 | 2026-05-08 12:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received notification fee was lender paid compensation.
Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-It's a lender paid broker compensation fee. Please waive this condition. - Seller-05/07/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-It's a lender paid broker compensation fee.
Please waive this condition. - Seller-05/07/2026 |
Resolved-Received notification fee was lender paid compensation.
Finding Resolved. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
19.27 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9026243 | |||
| XXXX | 4000125158 | D | B | D | A | C | B | A | A | Closed | FCRE1201 | 2026-05-06 13:02 | 2026-05-08 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received notification fee was a lender paid
compensation fee. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. please review the attached fraud report - Seller-05/07/2026 Open-Missing Third Party Fraud Report Need/Missing Third Party Fraud Report - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. please review the attached
fraud report - Seller-05/07/2026 |
Resolved-Received notification fee was a lender paid
compensation fee. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
19.27 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9067228 | ||
| XXXX | 4000125158 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-05-04 12:05 | 2026-05-04 12:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/04/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
19.27 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 9025500 | ||||
| XXXX | 4000125883 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-05-11 22:35 | 2026-05-14 12:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-05/14/2026 Ready for Review-Document Uploaded. Please See Soft Pull - Seller-05/13/2026 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing. Additional conditions may apply, pending review. - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. Please See Soft Pull -
Seller-05/13/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-05/14/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.3 LTV is less than guideline maximum - Required is 75 Borrower has 42.86 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9143785 | ||
| XXXX | 4000125883 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-11 08:55 | 2026-05-11 09:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/11/2026 | Waived-Required Affiliated Business Disclosure Missing
------Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/11/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.3 LTV is less than guideline maximum - Required is 75 Borrower has 42.86 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 9126196 | ||||
| XXXX | 4000125876 | B | B | A | A | B | B | A | A | Closed | FCOM1267 | 2026-05-12 16:04 | 2026-05-12 16:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) Originator waiver applied to non-material findings - Due Diligence Vendor-05/12/2026 | Waived-Homeownership Counseling Disclosure Is Partially Provided
(Date Creditor Received Application is XXXX and Occupancy is Primary
Residence) Originator waiver applied to non-material findings - Due Diligence
Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 743 LTV is less than guideline maximum - Required is 80 Borrower has 67.46 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.55 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 9160767 | ||||
| XXXX | 4000125876 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-05-12 13:58 | 2026-05-12 13:58 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 743 LTV is less than guideline maximum - Required is 80 Borrower has 67.46 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.55 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 9157082 | ||||
| XXXX | 4000130242 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000125184 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-13 21:05 | 2026-05-18 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected 1003 and verification no HOA on
primary residence. - Due Diligence
Vendor-05/18/2026 Ready for Review-Document Uploaded. I've attached the updated Post 1003 with the proof showing there is no HOA on this REO property (XXXX). Please review and assist in clearing condition. Thank you! - Seller-05/15/2026 Open-Missing information used for REO 3A HOA. Documentation in file does not reflect total used to qualify on final 1003. - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. I've attached the updated
Post 1003 with the proof showing there is no HOA on this REO property (XXXX).
Please review and assist in clearing condition. Thank you! -
Seller-05/15/2026 |
Resolved-Received corrected 1003 and verification no HOA on
primary residence. - Due Diligence
Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 804 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.52 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9190445 |