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

2026050408

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 XXX Credit Report is Missing

Resolved-Received Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX

Resolved-Received Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050424

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX

Open-Audited FICO of XXX is less than Guideline FICO of XXX Borrower's qualifying FICO score of XXX does not meet XXX minimum for product/transaction. Approval indicates an exception for FICO score was requested and approved; however, client exception form and approval not in file. - Due Diligence Vendor-XXX

Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX

DSCR % greater than XXX - DSCR: XXX Min XXX

Months Reserves exceed minimum required - Reserves: XXX Min XXX (XXX months w/o net proceeds)

ATR/QM: Exempt

XXX

Originator Post-Close

Yes

XXX

2026050448

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Issue with XXX Payment Letter

Resolved-XXX and CD provided with corrected monthly XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Revised docs imported XXX - Seller-XXX

Open-Correct XXX payment on XXX payment letter and closing CD. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Revised docs imported XXX - Seller-XXX

Resolved-XXX and CD provided with corrected monthly XXX - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. XXX since it was paid out of the XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Attached is the corrected XXX, XXX from underwriter taking out the XXX payment and new 1003/1008. These items will get us below the XXX% DTI (XXX) and should be good to go now. We will be getting a XXX coupon and corrected Closing Disclosure for you. - Buyer-XXX

Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender did not include in the total debts of the borrower the XXX taxes and the homeowner's insurance of the departing residence which is now an XXX. The mortgage statement in the loan file reflects a payment of XXX which does not include XXX. However, the loan file contains the tax statement and homeowner's insurance for the departing residence. The monthly taxes that should have been included are XXX and the monthly homeowner's insurance that should have been included is XXX. Including the payments made the borrower's DTI ratio exceed XXX% to XXX%. - Due Diligence Vendor-XXX

Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. XXX of XXX since it was paid out of the XXX. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 XXX Credit Report is Missing

Resolved-Received XXX Credit. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Open-Borrower 1 XXX Credit Report is Missing A XXX credit report is missing from the loan file and the XXX does not have a XXX withing XXX days of closing. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Resolved-Received XXX. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Resolved

1 - Information

Compliance

ComplianceEase

XXX Disclosure Delivery Date Test

Resolved-Loan locked on XXX, with an application date of XXX and Initial XXX dated XXX. Loan can lock prior to application, finding resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX - see note on cover page of uploads. COpy of check coming. - Buyer-XXX

Open-This loan failed the XXX Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within XXX business days after the interest rate was locked on XXX, XXX, XXX, XXX and XXX. -----Evidence of rate lock is XXX. Application date shows as XXX on disclosure tracking. - Due Diligence Vendor-XXX

Resolved-Loan locked on XXX, with an application date of XXX and Initial XXX dated XXX. Loan can lock prior to application, finding resolved. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Cured

2 - Non-Material

Compliance

TRID

Charges That Cannot Increase Test

Cured------Received PCCD XXX with copy of letter, check and XXX. Finding is Cured. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX - see note on cover page of uploads. COpy of check coming. - Buyer-XXX

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).XXX 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). -----XXX (XXX%) tolerance fees increased by $XXX (Loan Document Review Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX.

- Due Diligence Vendor-XXX

Cured------Received PCCD XXX with copy of letter, check and XXX. Finding is Cured. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

XXX "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Resolved-Received XXX XXX with corrected payee for section B. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Cover, CD with corrections, Check to borrower

- Buyer-XXX

Open-This loan failed the XXX "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Loan Document Review Fee & Tax Related Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state XXX (for the benefit of) to said Vendor. Provide a post close CD with correction within XXX days of discovery date. Statute of Limitations - XXX year, expiration date XXX. - Due Diligence Vendor-XXX

Resolved-Received PCCD XXX with corrected XXX for section XXX. Finding Resolved. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Received Homeowners Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within XXX business days of application date. Statute of Limitations - XXX Year(s); Expiration Date: XXX.

- Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Resolved-Received XXX. Finding Resolved. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050448

XXX

Closed

XXX

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.

- Due Diligence Vendor-XXX

Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.

- Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

QM: Safe Harbor APOR (APOR SH)

XXX

Investor Post-Close

XXX

2026050448

XXX

Closed

XXX

Waived

2 - Non-Material

Compliance

Missing Doc

XXX is Missing

Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

QM: Safe Harbor APOR (APOR SH)

XXX

Investor Post-Close

XXX

2026050315

XXX

Closed

XXX

Resolved

2 - Non-Material

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-XXX provided, finding resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). ----- Lender credit decreased from XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Resolved-XXX provided, finding resolved. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050315

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050315

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than XXX% Test

Resolved-Received XXX , finding resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- XXX (XXX%) tolerance fees (Recording Fees) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Resolved-Received XXX , finding resolved. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050315

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test

Resolved-Due to re-testing. No additional docs required. Finding resolved. - Due Diligence Vendor-XXX

Resolved-Due to XXX. No additional docs required. Finding resolved. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050315

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

XXX has pending litigation

Resolved-Received confirmation from the HOA attorney that the litigation has been closed. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX firm confirmed litigation is closed please see attached - Seller-XXX

Open-The XXX project has pending litigation. Pending Litigation evident.(XXX) "The complaint filed XXX (XXX) was probably incomplete. It referenced the inspection

report as exhibit a, however it was not provided. The full nature of the defects is unknown. The complaint only stated 'deficient conditions exterior XXX, XXX and XXX. There were XXX

dismissals provided. XXX of the dismissals were for XXX (XXX and XXX). The other dismissal was for counts (XXX,XXX, and XXX). These counts were not shown on the complaint I received. Litigation disclosed outstanding repairs. No evidence on file to indicate matter was resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX confirmed litigation is closed please see attached - Seller-XXX

Resolved-Received confirmation from the XXX that the litigation has been closed. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050353

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Originator exception granted and in file, waiver applied with comp factors.

Deemed non-material due to investor requirement XXX% and seasoning is short by less than XXX month. - Due Diligence Vendor-XXX

Open-Cash out seasoning not met. Guidelines require XXX months from purchase to application and XXX% ownership. - Due Diligence Vendor-XXX

Waived-Originator exception granted and in file, waiver applied with comp factors.

Deemed non-material due to XXX requirement XXX and seasoning is short by less than XXX month. - Due Diligence Vendor-XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

FICO XXX points or more above requirement.

Reserves XXX months more than requirement

ATR/QM: Exempt

XXX

Originator Post-Close

Yes

XXX

2026050353

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

Borrower Rental Experience Insufficient per Guidelines (DSCR)

Waived-Originator exception granted and in file, waiver applied with comp factors.

Deemed non-material due to investor requirement XXX% - Due Diligence Vendor-XXX

Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Ownership is XXX%, requires XXX% per guide on current XXX. - Due Diligence Vendor-XXX

Waived-Originator exception granted and in file, waiver applied with comp factors.

Deemed non-material due to investor requirement XXX - Due Diligence Vendor-XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

FICO XXX points or more above requirement.

Reserves XXX months more than requirement

ATR/QM: Exempt

XXX

Originator Post-Close

Yes

XXX

2026050333

XXX

ATR/QM: Exempt

XXX

2026050345

XXX

ATR/QM: Exempt

XXX

2026050336

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Counter-Received XXX from both employers. Title is XXX for both, please document if borrower has any ownership interest in either XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE for XXX and XXX not provided - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050336

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Bank Statement Summary/Lender Worksheet is Missing

Resolved-Received XXX, upon reviewing calculations to documents in file I find that we have XXX paystubs for XXX, XXX paystubs for XXX and XXX paystubs for XXX. They all indicate XXX hours and the XXX the income used by the XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Income worksheet - Seller-XXX

Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing Provide worksheet - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Income worksheet - Seller-XXX

Resolved-Received XXX XXX, upon reviewing calculations to documents in file I find that we have XXX paystubs for XXX paystubs for XXX and XXX paystubs for XXX. They all indicate XXX and the XXX the income used by the XXX - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050336

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed XXX is Missing

Resolved-Borrower 1 Executed XXX is Provided - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Open-Borrower 1 Executed XXX is Missing Borrower using second job XXX, XXX required - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Resolved-Borrower 1 Executed XXX is Provided - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050336

XXX

Closed

XXX

Resolved

1 - Information

Credit

Closing

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

Resolved-Received XXX Credit report dated w/in XXX days of Note date. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Provide fraud report within XXX days of closing/settlement date - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Resolved-Received XXX Credit report dated w/in XXX days of Note date. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050336

XXX

Closed

XXX

Resolved

1 - Information

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Resolved-Received required Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. No affiliated business

- Seller-XXX

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-XXX

Ready for Review-Document Uploaded. No affiliated business

- Seller-XXX

Resolved-Received required Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050336

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Client exception granted to allow the use of XXX, Non-material waiver applied with comp factors. nonmaterial due to XXX Fico, XXX% DTI, residual income of XXX and XXX months reserves. - Due Diligence Vendor-XXX

Open-Income and Employment Do Not Meet Guidelines Exception for missing XXX years seasoning for XXX income. Exception approval in loan file - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

FICO XXX

Reserves are XXX

DTI is XXX%

Residual Income $XXX

QM: Safe Harbor APOR (APOR SH)

XXX

Investor Post-Close

XXX

2026050368

XXX

ATR/QM: Exempt

XXX

2026050320

XXX

ATR/QM: Exempt

XXX

2026050313

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Resolved-Received a copy of signed Final CD. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXX" or "XXX" or blank, and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations XXX years- Expiration date is XXX.

- Due Diligence Vendor-XXX

Resolved-Received a copy of signed Final CD. Finding Resolved. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050313

XXX

Closed

XXX

Resolved

1 - Information

Compliance

Closing

The Final 1003 is Not Executed

Resolved-Received copy of signed Final 1003. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-The Final 1003 is Not Executed The loan file is absent executed Final 1003 from both borrowers'. Additional conditions may apply, pending review. - Due Diligence Vendor-XXX

Resolved-Received copy of signed Final 1003. Finding Resolved. - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050314

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-XXX

Open-Housing History Does Not Meet Guideline Requirements Exception request for required VOM only on the subject property and XXX. XXX approval in loan file. - Due Diligence Vendor-XXX

Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-XXX

Months Reserves exceed minimum required - Reserves: XXX Min XXX [XXX Months w/o proceeds]

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Credit score XXX

DSCR XXX

Reserves XXX months

Credit history Excellent

ATR/QM: Exempt

XXX

Investor Post-Close

XXX

2026050383

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

DSCR Calculation Missing

Resolved-Received 1008 with pg XXX included with calculation. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. DSCR calc page XXX of 1008 - Buyer-XXX

Counter-REceived 1008, missing calculation. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX

Resolved-Received 1008 with pg XXX included with calculation. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050383

XXX

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Please provide XXX or Declaration Page with dwelling coverage effective XXX or prior. - Due Diligence Vendor-XXX

Resolved-Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050388

XXX

ATR/QM: Exempt

XXX

2026050364

XXX

Closed

XXX

Cured

2 - Non-Material

Compliance

TRID

Charges That Cannot Increase Test

Cured------Received PCCD XXX with copy of letter, check and XXX. Finding is Cured. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

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).XXX 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). ----- XXX (XXX%) tolerance fees increased by $XXX. (XXX Review fee, Credit Report Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX., post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Cured------Received PCCD XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050414

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-After further review, both the credit supplement and mortgage statement indicate the loan is in the non-borrowing spouses name. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. email explanation from our credit company - Buyer-XXX

Open-Housing History Does Not Meet Guideline Requirements Mortgage statement from XXX on primary residence reflects a deffered interest balance of XXX on the loan. Credit supplement in file reflects on XXX the XXX payment was paid next due for XXX. The XXX grid reflects XXX (XXX months reviewed), however the XXX payment block showing scheduled vs actual payments cuts off at the XXX payment. Please provide an explantion for the deffered interest balance and if the deffered balance is a product of a loan modification please provide a copy of the modifcation document. - Due Diligence Vendor-XXX

Resolved-After further review, both the credit supplement and mortgage statement indicate the loan is in the XXX name. - Due Diligence Vendor-XXX

DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050414

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Credit history does not meet guidelines

Resolved-After further review, this is a DSCR and housing history is only verified for the primary and subject property. - Due Diligence Vendor-XXX

Open-Final 1003 reflects XXX open mortgage loan with outstanding balances (XXX) with XXX. None of these loans report in the credit report provided. XXX settlement statements for (REO XXX and XXX) provided - both closed XXX. Please provide explanation for current status of XXX XXX and XXX (both show as retained investment properties with outstanding balances on Final 1003). Please provide housing history for both XXX since the are disclosed on final 1003 and not reporting in credit report and a XXX has not been provided. - Due Diligence Vendor-XXX

Resolved-After further review, this is a DSCR and housing history is only verified for the primary and subject property. - Due Diligence Vendor-XXX

DSCR =/> XXX and minimum is XXX or Less - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

ATR/QM: Exempt

XXX

N/A

XXX

2026050381

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Closing Disclosure Issue

Resolved-Received Doc tracking for verification on receipt. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. executed initial CD (see final page) - Buyer-XXX

Open-Missing Non borrower spouse signature on initial CD. - Due Diligence Vendor-XXX

Resolved-Received Doc tracking for verification on receipt. Finding Resolved. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050381

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than XXX% Test

Resolved-Received correspondence giving reason for change in fees. Finding Resolved. - Due Diligence Vendor-XXX

Counter-Received XXX XXX, does not have explanation for why recording fees increased. Finding Remains. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. XXX XXX

2. XXX XXX - Buyer-XXX

Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX (XXX%) tolerance fees (Recording fee) increased by XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX

Resolved-Received correspondence giving reason for change in fees. Finding Resolved. - Due Diligence Vendor-XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050378

XXX

ATR/QM: Exempt

XXX

2026050389

XXX

ATR/QM: Exempt

XXX

2026050390

XXX

Closed

XXX

Resolved

1 - Information

Credit

Assets

Asset XXX Does Not Meet Guideline Requirements

Resolved-Received confirmation bank statement worksheet may be utilized for business funds. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. the bank statement analysis works as the XXX. Ive attached confirmation of this from XXX - Seller-XXX

Open-Asset Record XXX Does Not Meet G/L Requirements Provide a letter from a XXX, Third-Party Tax Preparer or borrower verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. If a XXX/Tax Preparer letter is not provided, a cash flow analysis of the business assets and liabilities to be provided. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. the bank statement analysis works as the XXX. Ive attached confirmation of this from XXX - Seller-XXX

Resolved-Received confirmation bank statement worksheet may be utilized for business funds. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050390

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Received 1008 and loan approval. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Open-Missing Approval/Underwriting Summary the lender is required to include a copy of the XXX approval or equivalent i.e. customer commitment letter, final 1008 and/or Seller approval or equivalent

- Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. - Seller-XXX

Resolved-Received 1008 and loan approval. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050376

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Originator exception granted to allow Private VOR with out canceled checks, Non-material waiver applied with comp factors. non-material due to FICO and credit. - Due Diligence Vendor-XXX

Open-Housing History Does Not Meet Guideline Requirements Landlord VOR’s are not an acceptable form of documentation. Lender exception in file, - Due Diligence Vendor-XXX

Waived-Originator exception granted to allow Private VOR with out XXX, Non-material waiver applied with comp factors. non-material due to FICO and credit. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX months reserves

Residual income > $XXX monthly

Non-QM: Lender documented all ATR UW factors

XXX

Investor Post-Close

XXX

2026050376

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than XXX Months

Waived-Originator exception granted to allow <XXX XXX years self-employed but > XXX months, Non-material waiver applied with comp factors. non-material due to FICO and Credit. - Due Diligence Vendor-XXX

Open-Borrower 1 Total Years Employment Verified is Less Than XXX Months Lender exception in file for < XXX months self employment. Previous employee of business that he purchased. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX FICO

XXX rental

Non-QM: Lender documented all ATR UW factors

XXX

Investor Post-Close

XXX

2026050346

XXX

ATR/QM: Exempt

XXX

2026050321

XXX

Closed

XXX

Resolved

1 - Information

Credit

Title

XXX not Provided

Resolved-Upon further review, the loan file contained XXX as noted on vesting schedule A of preliminary title. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. See attached: Preliminary Title Commitment; The Title shows seller owned the property since XXX which meets the XXX-month XXX requirement - Buyer-XXX

Open-XXX provided., additional findings may apply. - Due Diligence Vendor-XXX

Resolved-Upon further review, the loan file contained all required XXX as noted on XXX XXX of XXX. - Due Diligence Vendor-XXX

Long term residence - Borrower has been at residence XXX years

Months Reserves exceed minimum required - XXX months reserves required borrower has XXX months

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050321

XXX

Closed

XXX

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX

Long term residence - Borrower has been at residence XXX years

Months Reserves exceed minimum required - XXX months reserves required borrower has XXX months

QM: Safe Harbor APOR (APOR SH)

XXX

Investor Post-Close

XXX

2026050331

XXX

ATR/QM: Exempt

XXX

2026050386

XXX

ATR/QM: Exempt

XXX

2026050401

XXX

ATR/QM: Exempt

XXX

2026050371

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Client exception granted to allow FTI at XXX% LTV, Non-material waiver applied with comp factors. nonmaterial due to reserves of XXX months and fico of XXX. - Due Diligence Vendor-XXX

Open-Audited LTV of XXX% exceeds Guideline LTV of XXX% Exception request for XXX at XXX% LTV. Borrower has XXX months investor experience. Eresi approval in loan file. - Due Diligence Vendor-XXX

Waived-Client exception granted to allow XXX at XXX% LTV, Non-material waiver applied with comp factors. nonmaterial due to reserves of XXX months and fico of XXX. - Due Diligence Vendor-XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Long term residence - Borrower own primary residence for XXX years

Fico XXX

DSCR XXX

Reserves XXX months

ATR/QM: Exempt

XXX

Investor Post-Close

XXX

2026050396

XXX

Closed

XXX

Resolved

1 - Information

Credit

Assets

Asset XXX Less Than XXX Months Verified

Resolved-Received XXX day statement history for XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Asset XXX Less Than XXX Months Verified XXX account XXX - All funds for down payment, closing costs and reserves must be sourced and seasoned for XXX-days. Letter in file provides a current account balance only. Additional conditions may apply. - Due Diligence Vendor-XXX

Resolved-Received XXX day statement history for XXX - Due Diligence Vendor-XXX

Long term residence - Long Term Residence = XXX years

Months Reserves exceed minimum required - Minimum reserve requirement is XXX, borrower has XXX documented

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050396

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Missing Disclosure - XXX Borrower Identification Form

Resolved-Received XXX Form. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX

Resolved-Received XXX Form. - Due Diligence Vendor-XXX

Long term residence - Long Term Residence = XXX years

Months Reserves exceed minimum required - Minimum reserve requirement is XXX, borrower has XXX documented

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Income and housing findings resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. XXX acct check

2. cb, property owned f&c - Buyer-XXX

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. XXX has already added a finding for XXX assets XXX and proof XXX is owned XXX - Due Diligence Vendor-XXX

Resolved-Income and housing findings resolved. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-VOR and bank statements provided confirming rent payments. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. the VOR and bank stmts show rent being sent to XXX. pls review - Buyer-XXX

Counter-Received Free and Clear documentation. Missing proof of rent paid to XXX noted on VOR. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. cb, property owned XXX - Seller-XXX

Open-Housing History Does Not Meet Guideline Requirements Borrower to provide copy of lease and most recent XXX months of XXX or bank statements showing rent has been paid as agreed (as VOR provided is from an XXX).

Co-borrower's must provide either full XXX showing no mortgagee or lien report to verify XXX is owned free & clear - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX, property owned XXX - Seller-XXX

Resolved-VOR and bank statements provided confirming rent payments. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. The XXX that we sent dated XXX showed transfer taxes of XXX …. Final CD from closing showed transfer tax that totaled to XXX …. I don’t understand what the issue is… there was no increase from XXX to closing

- Seller-XXX

Counter-Received an updated XXX XXX. Need XXX for increased transfer tax on CD XXX or XXX with cure. Finding Remains. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. pls see attached XXX - Buyer-XXX

Counter-Received copy of XXX and XXX XXX which addresses interest rate lock. Need XXX for increase in Transfer Tax on Final Cd or PCCD with cure. Finding Remains. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. PLS REVIEW ATTACHED UPLOADED DOCS. XXX & CD FOR FEES INCRESED, XXX ADDRESSING XXX AND XXX, XXX AND EVIDENCE XXX IS OWNED XXX

2. PLS REVIEW ATTACHED UPLOADED DOCS, XXX, EVIDENCE XXX IS OWNED XXX, XXX ADDRESSING XXX AND XXX REQUIREMENTS XXX - Buyer-XXX

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).XXX 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). ----- XXX (XXX%) tolerance fees increased by XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX

- Seller-XXX

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-The XXX average balance are not populating because there is no activity for that account. There are no transactions for the last XXX month confirming the assets are XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX acct check - Buyer-XXX

Open-Co-borrowers to provide XXX month account statements for XXX verified through XXX as account in question has no account history reflected and XXX months is required (since account is being used for income to qualify and reserves). - Due Diligence Vendor-XXX

Resolved-The XXX average balance are not populating because there is no activity for that account. There are no transactions for the last XXX month confirming the assets are seasoned. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than XXX% Test

Resolved-Received XXX with recording fee increase. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. pls see attached XXX - Seller-XXX

Counter-Received copy of XXX and XXX XXX which addresses XXX. XXX references Interest rate lock and not increase in recording fees. Provide XXX regarding increase in recording fees or PCCD with cure. Finding Remains. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. PLS REVIEW ATTACHED UPLOADED DOCS. XXX & CD FOR FEES INCRESED, XXX ADDRESSING XXX AND XXX REQUIREMENTS, XXX CHECK AND EVIDENCE XXX IS OWNED XXX

2. PLS REVIEW ATTACHED UPLOADED DOCS, XXX CHECK, EVIDENCE XXX IS OWNED XXX, XXX ADDRESSING XXX AND XXX REQUIREMENTS XXX - Seller-XXX

Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- XXX (XXX%) tolerance fees (Recording Fee) increased by XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations - XXX Year(s); Expiration Date: XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. pls see attached XXX - Seller-XXX

Ready for Review-Document Uploaded. 1. PLS REVIEW ATTACHED UPLOADED DOCS. XXX & CD FOR FEES INCRESED, XXX ADDRESSING XXX AND XXX REQUIREMENTS, XXX CHECK AND EVIDENCE XXX IS OWNED XXX

2. PLS REVIEW ATTACHED UPLOADED DOCS, XXX CHECK, EVIDENCE XXX IS OWNED XXX, XXX ADDRESSING XXX AND XXX REQUIREMENTS & XXX - Seller-XXX

Resolved-Received XXX with recording fee increase. Finding Resolved. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Purchase Contract Issue

Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. please reference clients seller guide to clear condition

- Buyer-XXX

Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need fully executed addendum to sales contract adding non-occupying co-borrower's to loan. - Due Diligence Vendor-XXX

Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-Received Lender confirmation Cobwr XXX non occ XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. pls review, coborrowers are ONLY XXX to XXX Note and should not be on title/mortgage. TY

2. cos memo, co borrowers are only on note. - Seller-XXX

Open-All borrowers utilizing asset depletion/utilization for income must be on the Note and Mortgage document. Co-borrowers' did not sign Mortgage - only Note. No exception in loan file. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. pls review, coborrowers are XXX to teh Note and should not be on XXX. TY

2. XXX, co borrowers are only on note. - Seller-XXX

Resolved-Received Lender confirmation XXX XXX XXX. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050391

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower XXX Executed XXX is Missing

Resolved-Borrower XXX Executed XXX is Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX;s XXX - Buyer-XXX

Open-Borrower XXX Executed XXX is Missing Need fully executed XXX for Co-borrower XXX as form is missing. - Due Diligence Vendor-XXX

Resolved-Borrower XXX Executed XXX is Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - Min XXX, actual XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050415

XXX

ATR/QM: Exempt

XXX

2026050422

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc - Credit

Business Purpose Affidavit/Disclosure Missing

Resolved-The Business Purpose Affidavit has been provided - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX

Resolved-The Business Purpose Affidavit has been provided - Due Diligence Vendor-XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050417

XXX

ATR/QM: Exempt

XXX

2026050420

XXX

Closed

XXX

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Updated bank statement provided. Using only XXX% of the XXX. Access letters no longer required. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX account transaction history showing a final account balance of XXX

- Seller-XXX

Open-Asset Qualification Does Not Meet Guideline Requirements Reserves required is XXX months. Exception for XXX month reserves after deducting $XXX open amex reserves. Borrower has additional $XXX (XXX months) in a business account of which borrower is XXX% owner and will have full access letter. Exception approval in loan file. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX transaction history showing a XXX balance of XXX

- Seller-XXX

Resolved-Updated bank statement provided. Using only XXX of the XXX. Access letters no longer required. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050420

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Client waiver applied to non-material finding with compensating factors. Exception for XXX months of reserves, XXX months required. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX transaction history showing a XXX balance of XXX - Seller-XXX

Counter-Received XXX. Missing Access Letters from XXX other partners to use noted assets as noted on Exception email and request. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. explanation of sufficient reserves - Seller-XXX

Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Provide proof of XXX months reserves. (Exception to allow XXX months vs. XXX months) - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX transaction history showing a XXX balance of XXX - Seller-XXX

Ready for Review-Document Uploaded. explanation of sufficient reserves - Seller-XXX

Waived-Client waiver applied to non-material finding with compensating factors. Exception for XXX months of reserves, XXX months required. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX qualifying score, min XXX

XXX% DTI, max XXX%

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

Investor Post-Close

XXX

2026050420

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 XXX Letter Missing

Resolved-Received CPA letter and XXX. CPA letter confirms XXX% ownership. Using only XXX% of XXX, access letter no longer needed. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. XXX letter

2. XXX verify

- Seller-XXX

Open-Borrower 1 XXX Letter Missing 1). Lender to provide XXX license information

2). Need executed operating agreement showing breakdown of percent of owners OR XXX to break down all owners of XXX and their percent of ownership (exception approval requested access letters from all owners - must verify access letters are provided from owners of XXX). - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. XXX letter

2. XXX verify

- Seller-XXX

Resolved-Received XXX letter and XXX. XXX letter confirms XXX% ownership. Using only XXX% of XXX, access letter no longer needed. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050431

XXX

Closed

XXX

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated Title with Coverage Amount of $XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Updated Purposed Insured

- Buyer-XXX

Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-XXX

Resolved-Received updated XXX with Coverage Amount of $XXX - Due Diligence Vendor-XXX

DSCR =/> XXX and minimum is XXX or Less - DSCR XXX Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050339

XXX

ATR/QM: Exempt

XXX

2026050405

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX

Ready for Review-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). -----Lender credit decreased from XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of XXX

, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX (b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX.

- Due Diligence Vendor-XXX

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Residual Income =/> XXX times $XXX monthly residual income - Residual Income: XXX Min $XXX

XXX.pdf

ATR/QM: CDFI Lender Exempt

XXX

N/A

XXX

2026050405

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

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).XXX 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). -----XXX (XXX%) tolerance fees increased by XXX (Transfer Tax) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX.

- Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Residual Income =/> XXX times $XXX monthly residual income - Residual Income: XXX Min $XXX

XXX.pdf

ATR/QM: CDFI Lender Exempt

XXX

N/A

XXX

2026050405

XXX

Closed

XXX

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Residual Income =/> XXX times $XXX monthly residual income - Residual Income: XXX Min $XXX

ATR/QM: CDFI Lender Exempt

XXX

Investor Post-Close

XXX

2026050372

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc - Credit

Missing EIN Number for Business Entity

Resolved-Received XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. XXX.

- Buyer-XXX

Open-Business Entity XXX value is invalid (Field value is ''). Missing Tax Identification Number (Employer Identification Number – XXX). - Due Diligence Vendor-XXX

Resolved-Received XXX - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months documented, XXX months required

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050447

XXX

Closed

XXX

Resolved

1 - Information

Credit

Closing

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

Resolved-Upon further review. Borrower XXX XXX Credit Report is not expired. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Borrower XXX XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX

Resolved-Upon further review. Borrower 2 XXX Credit Report is not expired. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050447

XXX

Closed

XXX

Resolved

1 - Information

Credit

Closing

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

Resolved-Upon further review, the Borrower 1 XXX Credit Report is not expired. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX

Resolved-Upon further review, the Borrower 1 XXX Credit Report is not expired. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050447

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed XXX is Missing

Resolved-Received Borrower XXX Executed XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Borrower XXX Executed XXX is Missing - Due Diligence Vendor-XXX

Resolved-Received Borrower 2 Executed XXX - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050360

XXX

ATR/QM: Exempt

XXX

2026050440

XXX

Closed

XXX

Resolved

1 - Information

Credit

Closing

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

Resolved-Received 1 XXX Credit Report - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Borrower XXX and XXX XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX

Resolved-Received 1 XXX Credit Report - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050363

XXX

Closed

XXX

Resolved

1 - Information

Credit

Closing

Issues exist on the Note Document

Resolved-After further review- the note executed as an XXX. - Due Diligence Vendor-XXX

Open XXX must execute the note as an XXX - Due Diligence Vendor-XXX

Resolved-After further review- the note executed as an XXX. - Due Diligence Vendor-XXX

DSCR =/> XXX and minimum is XXX or Less - . Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

ATR/QM: Exempt

XXX

N/A

XXX

2026050363

XXX

Closed

XXX

Resolved

1 - Information

Credit

Borrower

Business Entity Formation Document is Incomplete

Resolved-Received Operating agreement and XXX confirming in good standing. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Business entity documentation, the Certificate of filing serves evidence the XXX were accepted, the entity legally exists and the "formation" occurred - Buyer-XXX

Open-The Business Entity Formation Document is incomplete Missing Entity XXX of Organization and Certificate of good standing - Due Diligence Vendor-XXX

Resolved-Received Operating agreement and XXX confirming in good standing. - Due Diligence Vendor-XXX

DSCR =/> XXX and minimum is XXX or Less - . Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050450

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

XXX is Missing

Resolved-Received fully executed XXX - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. see recorded dot with XXX attached

- Buyer-XXX

Open-XXX is Missing - Due Diligence Vendor-XXX

Resolved-Received fully executed XXX - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050455

XXX

ATR/QM: Exempt

XXX

2026050341

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc - Credit

Business Purpose Affidavit/Disclosure Missing

Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Business purpose attached - Buyer-XXX

Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose and XXX is required on XXX. - Due Diligence Vendor-XXX

Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months reserves documented, XXX months required

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050418

XXX

ATR/QM: Exempt

XXX

2026050317

XXX

Closed

XXX

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and XXX, meeting XXX compliance.

- Due Diligence Vendor-XXX

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XXX

Ready for Review-This loan closed with the required impounds and appraisal delivery XXX-days prior to closing. - Seller-XXX

Resolved-Loan contains full appraisal and XXX, meeting XXX compliance.

- Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050317

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Missing Warrantability Documentation

Resolved-Lender provided updated 1008 showing XXX, updated XXX exception email and form showing loan number linked to the lock confirmation that shows a pricing adjustment for XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1008 showing XXX, updated XXX exception email and form showing loan number linked to the attached lock confirmation that shows a pricing adjustment for XXX attached. - Seller-XXX

Counter-Missing attestation of XXX type warranty. - Due Diligence Vendor-XXX

Ready for Review-Loan was locked as a XXX. XXX docs provided in uploaded XXX, page XXX - XXX. - Seller-XXX

Open-Missing Warrantability Documentation. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1008 showing XXX, updated XXX exception email and form showing XXX linked to the attached lock confirmation that shows a pricing adjustment for XXX attached. - Seller-XXX

Ready for Review-Loan was locked as a XXX. XXX docs provided in uploaded PDF, page XXX - XXX. - Seller-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050317

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

XXX does not meet requirements

Waived-Client provided a waiver for Pending XXX inspection for XXX applied to non material finding with comp factors - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Apologies. The actual exception form was not "protected" in our XXX and did not make it into the XXX for review. The approved exception specifically requesting waiving the requirement of final clearance from the inspector is attached. - Seller-XXX

Open-Per exception approval email, Pending XXX upgrades per condo questionaire. - Due Diligence Vendor-XXX

Waived-Client provided a waiver for Pending XXX for XXX upgrades applied to non material finding with comp factors - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

Reserves XXX, FICO XXX, all liablities paid as agreed for XXX months

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

Investor Post-Close

XXX

2026050317

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Bank Statement Summary/Lender Worksheet is Missing

Resolved-Received XXX analysis. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Apologies. This was also not "protected" in our XXX and did not make it into the XXX for XXX review. - Seller-XXX

Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Apologies. This was also not "protected" in our XXX and did not make it into the XXX for XXX. - Seller-XXX

Resolved-Received XXX bank statement analysis. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

XXX.pdf

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050317

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Upon further review, file contained XXX documentation for additional XXX. - Due Diligence Vendor-XXX

Ready for Review-On pages XXX & XXX (XXX) and pages XXX - XXX (XXX) of the uploaded package the XXX dues are documented. - Seller-XXX

Open-REO XXX - XXX documenation not provided - Due Diligence Vendor-XXX

Ready for Review-On pages XXX & XXX (XXX) and pages XXX - XXX (XXX) of the uploaded package the XXX dues are documented. - Seller-XXX

Resolved-Upon further review, file contained HOA documentation for additional XXX. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.

Non-QM: Lender documented all ATR UW factors

XXX

N/A

XXX

2026050439

XXX

Closed

XXX

Cured

2 - Non-Material

Compliance

TRID

Charges That In Total Cannot Increase More Than XXX% Test

Cured-Received PCCD XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Counter-Received LE and XXX for XXX. XXX% tolerance fees changed on XXX. Need XXX or PCCD for the cure. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Origination increased due to Loan Amount Increase.

- Buyer-XXX

Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- XXX (XXX%) tolerance fees (Doc Prep and Recording fees) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX

Cured-Received PCCD XXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050439

XXX

Closed

XXX

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received explanation fee increase with loan amount, but was not listed on the XXX. Finding Resolved. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Origination increased due to Loan Amount Increase.

- Buyer-XXX

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).XXX 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). ----- XXX (XXX%) tolerance fees increased by $XXX (Origination Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Remediation options (1) within XXX days of consummation expires XXX (2) within XXX days of discovery expires XXX remains XXX under XXX(b) (3) After XXX days of discovery, no cure, Statute of Limitations - XXX Years; Expiration Date: XXX remains XXX - Due Diligence Vendor-XXX

Resolved-Received explanation fee increase with loan amount, but was not listed on the XXX. Finding Resolved. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050454

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Bank Statement Summary/Lender Worksheet is Missing

Resolved-After further review, the loan file contained the income worksheet. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. bank statement worksheet - Seller-XXX

Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. bank statement worksheet - Seller-XXX

Resolved-After further review, the loan file contained the income worksheet. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050454

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. asset summary to show borrower has sufficient fund for closing cost and reserve

2. final cd for XXX - Buyer-XXX

Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050454

XXX

Closed

XXX

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. final cd for XXX

- Buyer-XXX

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a XXX. The final closing statement showing the PITI for the departing residence was not identified in the file. The departing residence was recently refinanced. Accurate DTI cannot be calculated without this. Also, without final CD from this refinance, borrowers are short reserves and XXX - Due Diligence Vendor-XXX

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050454

XXX

Closed

XXX

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Received email from XXX confirming not claims from XXX to XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. For flood insurance effective date after closing date, please see attached confirmation from XXX, there is no claim on the policy number XXX from XXX to XXX. - Buyer-XXX

Open-Flood Insurance Effective Date of XXX is after the Note Date of XXX The Effective date is XXX. Per the final CD the loan disbursed XXX. The XXX went into effect after the loan disbursed. - Due Diligence Vendor-XXX

Resolved-XXX from XXX confirming not claims from XXX to XXX. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050454

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. final cd for XXX

- Seller-XXX

Open-Housing History Does Not Meet Guideline Requirements Missing XXX on current primary residence/departing property for account ending in XXX. If recently refinanced, missing a copy of the Final CD and a copy of the Note. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. final cd for XXX

- Seller-XXX

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050454

XXX

Closed

XXX

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $XXX

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. 1. asset summary to show borrower has sufficient fund for closing cost and reserve

2. final cd for XXX

- Buyer-XXX

Open-Total Qualified Assets Post-Close amount is 'XXX'. Assets are Insufficient. Missing CD from recent refi of primary residence/departing residence - Due Diligence Vendor-XXX

Resolved-Final CD for departing was provided. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050397

XXX

ATR/QM: Exempt

XXX

2026050438

XXX

Closed

XXX

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Tax Returns Not Signed

Resolved-After further review, as a completed XXX signed by the Brw is in file- XXX does not require signed tax returns per XXX, Tax Return and Transcript Documentation Requirements. - Due Diligence Vendor-XXX

Open-Borrower 1 Tax Returns Not Signed Need XXX tax returns signed and dated and if we are utilizing XXX returns - borrower to sign and date those returns as well. - Due Diligence Vendor-XXX

CLTV is less than guidelines maximum - LTV XXX - Maximum XXX

Long term residence - Borrower has been at current residence for XXX years.

ATR/QM: Exempt

XXX

N/A

XXX

2026050438

XXX

Closed

XXX

Resolved

1 - Information

Property

Value

Primary Property Value is not Substantiated

Resolved-Received CU with score of XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Open-The Primary Property Value is XXX. Additional XXX is required. Need acceptable XXX valuation as we are utilizing XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Resolved-Received CU with score of XXX. - Due Diligence Vendor-XXX

CLTV is less than guidelines maximum - LTV XXX - Maximum XXX

Long term residence - Borrower has been at current residence for XXX years.

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050438

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

XXX Not Provided

Resolved-Received 1008, 1003, and XXX. Audit income within XXX% of lender. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Counter-Received 1008 reflecting change in subject re taxes amount. Reduced to monthly $XXX. Provide supporting documentation confirm new re tax amount considered as tax certs reflect annual XXX and customary XXX% of sales price XXX. Provide XXX matching validated XXX Tax amount. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Open-Missing XXX Need updated XXX to reflect matching income verified by underwriter and PITI with updated XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Resolved-Received 1008, 1003, and XXX. Audit income within XXX% of XXX. - Due Diligence Vendor-XXX

CLTV is less than guidelines maximum - LTV XXX - Maximum XXX

Long term residence - Borrower has been at current residence for XXX years.

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050438

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Partially Provided

Resolved-Received 1008, 1003, and XXX. Audit income within XXX% of lender. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Counter-Received 1008 reflecting change in subject re taxes amount. Reduced to monthly XXX. Provide supporting documentation confirm XXX re tax amount considered as tax certs reflect annual XXX and customary XXX% of sales price XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Open-Approval/Underwriting Summary Partially Provided Provide updated 1008 showing correct income and correct PITI for subject property. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Resolved-Received 1008, 1003, and XXX. Audit income within XXX of lender. - Due Diligence Vendor-XXX

CLTV is less than guidelines maximum - LTV XXX - Maximum XXX

Long term residence - Borrower has been at current residence for XXX years.

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050438

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 XXX Returns Missing

Resolved-Received proof of extension and payment for XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Open-Borrower XXX Personal Tax Returns Missing XXX Tax returns should have been obtained since loan closed after filing date. If Extension was filed for XXX - provide documentation show it was received by XXX and if money owed provide proof of payment. - Due Diligence Vendor-XXX

Resolved-Received proof of extension and payment for XXX. - Due Diligence Vendor-XXX

CLTV is less than guidelines maximum - LTV XXX - Maximum XXX

Long term residence - Borrower has been at current residence for XXX years.

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050451

XXX

ATR/QM: Exempt

XXX

2026050327

XXX

ATR/QM: Exempt

XXX

2026050416

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Loss payee issue on Hazard Insurance

Resolved-Received XXX reflecting mortgagee clause - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. See attached: XXX XXX page that reflect the correct loss payee, there are no other XXX in the file - Buyer-XXX

Open-Loss payee issue on Hazard Insurance. Loss payee reflects previous lender - Due Diligence Vendor-XXX

Resolved-Received XXX reflecting mortgagee clause - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX Required is XXX Borrower has XXX

XXX.pdf

ATR/QM: Exempt

XXX

N/A

XXX

2026050458

XXX

Closed

XXX

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Received confirmation $XXX gift not considered. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Counter-Received XXX receipt for $XXX (2). Received XXX statement for sale of current residence (1). Please address original findings 3). Need to verify if XXX gave borrower XXX gift - as gift letter is in file but no documentation in file support gift was given. If gift was given, XXX must provide proof of XXX of XXX from account listed on gift letter and borrower to provide updated assets statements support gift was deposited. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Open-Asset Qualification Does Not Meet Guideline Requirements 1). Need final CD fully executed for sale of borrower current home to net a minimum of XXX.

2). Need XXX to provide proof of withdrawal of XXX gift from account listed on gift letter and proof XXX received funds.

3). Need to verify if XXX gave borrower XXX - as gift letter is in file but no documentation in file support gift was given. If gift was given, XXX must provide proof of XXX of funds from account listed on gift letter and borrower to provide updated assets statements support gift was deposited. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Resolved-Received confirmation $XXX gift not considered. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050458

XXX

Closed

XXX

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received final assets and CD from sale of property. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Counter-Received purchase contract addendums, XXX statement for sale of home and receipt of $XXX by XXX. Missing clarification regarding $XXX gift and required documentation. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a XXX. Need additional gift information, final fully executed CD for sale of current home, XXX to sales contract. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Seller-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Resolved-Received XXX and CD from sale of property. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050458

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Bank Statement Summary/Lender Worksheet is Missing

Resolved-Received bank statement income analysis. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX

Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Upload income worksheet for bank account used for income - as document is cut off on upload provided. - Due Diligence Vendor-XXX

Resolved-Received bank statement income analysis. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050458

XXX

Closed

XXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 XXX Letter Missing

Resolved-Received XXX validation. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX

Open-Borrower 1 XXX Letter Missing Lender to provide verified XXX for XXX - Due Diligence Vendor-XXX

Resolved-Received XXX validation. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050458

XXX

Closed

XXX

Resolved

1 - Information

Credit

Eligibility

Purchase Contract Issue

Resolved-Received addendums reflecting broker credits. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need XXX to sales contract reflecting additional seller concessions due to XXX commissions that total XXX. - Due Diligence Vendor-XXX

Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX

Resolved-Received addendums reflecting XXX. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

Qualifying DTI below maximum allowed - Required is XXX Borrower has XXX

XXX.pdf

QM: Safe Harbor APOR (APOR SH)

XXX

N/A

XXX

2026050442

XXX

Closed

XXX

Waived

2 - Non-Material

Credit

Eligibility

XXX business purpose loan signed as XXX

Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-XXX

Open-XXX in XXX or XXX as XXX signed as XXX is not allowed. Per XXX of XXX & XXX :XXX a prepayment penalty may only be applied to corporations, XXX and XXX specifically. Under XXX a XXX is not permitted to be charged to an XXX. - Due Diligence Vendor-XXX

Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-XXX

Qualifying FICO score is at least XXX points above minimum for program - Required is XXX Borrower has XXX

LTV is less than guideline maximum - Required is XXX Borrower has XXX

ATR/QM: Exempt

XXX

Investor Post-Close

XXX