.Exhibit 99.1

 Schedule 3 - Exception Grades

 

 

Exception Grades

Run Date - 8/26/2026 11:43:32 AM      

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Unique Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Waived with Regrade Exception Level Grade DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Note Date Property State Occupancy Purpose Exception Remediation Originator QM ATR Status TPR QM ATR Status Is Curable
(redacted) (redacted) (redacted) (redacted) 26276251 36313877     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. The verification appraisal delivered to the borrower was not provided.             04/23/2026 No 2 B B B B   AL Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26276251 36313937     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $113,712.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2026-05-19): XXXXX


Reviewer Comment (2026-05-15): XXXXX


Seller Comment (2026-05-15): XXXXX
 05/19/2026     No 1 C A C A   AL Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26276251 36315456     Credit Income / Employment Income Documentation Income / Employment The paystub that may serve as verification of employment does not include YTD earnings. - Verbal Verification of Employment was not provided,       Reviewer Comment (2026-05-07): XXXXX


Seller Comment (2026-05-05): XXXXX
 05/07/2026     No 1 C A C A   AL Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26276251 36315461     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Verbal Verification of Employment was not provided,.       Reviewer Comment (2026-06-10): XXXXX


Seller Comment (2026-06-09): XXXXX


Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-08): XXXXX


Reviewer Comment (2026-05-21): XXXXX


Seller Comment (2026-05-21): XXXXX


Reviewer Comment (2026-05-19): XXXXX


Seller Comment (2026-05-19): XXXXX
 06/10/2026     No 1 C A C A   AL Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26276251 36315466     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 B A C A   AL Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26276251 36315467     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 C A C A   AL Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26276251 36537514     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.           Reviewer Comment (2026-05-26): XXXXX


Seller Comment (2026-05-21): XXXXX
 05/26/2026     No 1   A   A   AL Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28310605 36685252     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             06/11/2026 No 2 B B B B   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28310605 36685255     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-18): XXXXX
 06/18/2026     No 1 B A C A   TX Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28310605 36685773     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. Missing third party verification of the borrower's business. Third party verifications provided in file are not dated.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26995342 36585907     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.       Reviewer Comment (2026-06-16): XXXXX
 06/16/2026     No 1 C A C A   VA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21668090 36382045     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $55.00 exceeds tolerance of $0.00.  $55.00 over legal limit.  Insufficient or no cure was provided to the borrower. Pest Inspection Fee of  was last disclosed as $0.00 on LE but disclosed as  $55.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $55.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-05-29): XXXXX


Reviewer Comment (2026-05-19): XXXXX


Reviewer Comment (2026-05-12): XXXXX


Seller Comment (2026-05-11): XXXXX
 05/29/2026     No 1 C A C A   VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21668090 36382046     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $500.00 exceeds tolerance of $0.00.  $500.00 over legal limit.  Insufficient or no cure was provided to the borrower. Survey Fee of  was last disclosed as $0.00 on LE but disclosed as  $500.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $500.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-05-29): XXXXX


Reviewer Comment (2026-05-19): XXXXX


Reviewer Comment (2026-05-12): XXXXX


Seller Comment (2026-05-11): XXXXX
 05/29/2026     No 1 C A C A   VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29684895 36630126     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns; XXXXX personal returns not yet due.  No extension for XXXXX business returns in file.             06/03/2026 No 2 B B B B   OK Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29684895 36630128     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  $225.00 over legal limit.  Insufficient or no cure was provided to the borrower. Pest Inspection Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $225.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $225.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-01): XXXXX


Reviewer Comment (2026-06-23): XXXXX


Seller Comment (2026-06-22): XXXXX
 07/01/2026     No 1 C A C A   OK Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29684895 36654127     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Application is dated after XX/XX/XX and therefore a copy of the XXXXX business returns, or evidence of extension, is required and is missing.       Reviewer Comment (2026-06-19): XXXXX
 06/19/2026     No 1 C A C A   OK Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29684895 36654141     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.         Reviewer Comment (2026-06-19): XXXXX
 06/19/2026     No 1 C A C A   OK Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29684895 36654146     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Due to missing income documentation, once received, exception will be updated.       Reviewer Comment (2026-06-19): XXXXX
 06/19/2026     No 1 B A C A   OK Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22018782 36588194     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX 1040's and business returns.             05/29/2026 No 2 B B B B   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20567901 36469082     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             05/18/2026 No 2 B B B B   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20567901 36469084     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $181.50 exceeds tolerance of $125.00 plus 10% or $137.50.  $44.00 over legal limit.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $44.00 due to an increase in the recording fee. No valid COC provided, nor was evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $21.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-23): XXXXX


Seller Comment (2026-06-22): XXXXX


Reviewer Comment (2026-06-10): XXXXX


Seller Comment (2026-06-09): XXXXX


Reviewer Comment (2026-05-26): XXXXX


Seller Comment (2026-05-22): XXXXX


Reviewer Comment (2026-05-20): XXXXX


Seller Comment (2026-05-19): XXXXX
 06/23/2026     No 1 C A C A   FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21446210 36468141     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $525.00.  $50.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $525.00 on LE but disclosed as $575.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-05): XXXXX


Reviewer Comment (2026-05-21): XXXXX


Seller Comment (2026-05-20): XXXXX
 06/08/2026     No 1 C A C A   NC Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22334153 36876045     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier borrower receipt was not found in file.       Reviewer Comment (2026-07-14): XXXXX


Seller Comment (2026-07-13): XXXXX


Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-09): XXXXX
 07/14/2026     No 1 C A C A   CA Primary Refinance - Rate/Term No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22334153 36876047     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $339.80 exceeds tolerance of $250.00.  $89.80 over legal limit.  Insufficient or no cure was provided to the borrower. Credit Report Fee was last disclosed as $250.00 on LE but disclosed as $339.80 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 2 C B C B   CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22334153 36876050     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/07/2026 No 2 B B B B   CA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22334153 36882075     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $339.80 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-06): XXXXX
   07/06/2026   No 1 A A A A   CA Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25427129 36593178     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS, DU Approve/Eligible XXXXX.       Reviewer Comment (2026-06-11): XXXXX
 06/11/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20704410 36364226     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             05/01/2026 No 2 B B B B   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20704410 36364227     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension. The file contained a copy of the XXXXX 1040s and business returns.             05/01/2026 No 2 B B B B   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20704410 36364230     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,403.50 exceeds tolerance of $2,963.00 plus 10% or $3,259.30.  $3,144.20 over legal limit.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $3,144.20 due to an increase in Title - Lender's Title Insurance. No valid COC provided, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $3,144.20, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-08): XXXXX


Seller Comment (2026-06-05): XXXXX
   06/09/2026   No 2 C B C B   OR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20704410 36364231     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   The file is missing the Lender's Initial 1003.       Reviewer Comment (2026-05-08): XXXXX


Seller Comment (2026-05-08): XXXXX
 05/08/2026     No 1 B A B A   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28116127 36467481     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             05/18/2026 No 2 B B B B   IL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28116127 36467482     Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. The file is missing a copy of the Initial escrow account statement.       Reviewer Comment (2026-05-21): XXXXX
     05/21/2026 No 2 B B B B   IL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28800928 36467196     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $980.00 exceeds tolerance of $730.00.  $250.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $730.00 on LE but disclosed as $980.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-05): XXXXX


Reviewer Comment (2026-05-19): XXXXX


Seller Comment (2026-05-18): XXXXX
 06/08/2026     No 1 C A C A   WA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28800928 36467197     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $140.00 exceeds tolerance of $0.00.  $140.00 over legal limit.  Insufficient or no cure was provided to the borrower. Second Appraisal Fee was not disclosed on LE but disclosed as $140.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $140.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-05-19): XXXXX


Seller Comment (2026-05-18): XXXXX
   05/19/2026   No 2 C B C B   WA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28800928 36683030     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $140.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-08): XXXXX
   06/08/2026   No 1   A   A   WA Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24344313 36603554     Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   Fully executed HUD/Closing Disclosure from sale of previous home not provided.       Reviewer Comment (2026-06-08): XXXXX
 06/08/2026     No 1 C A C A   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26192195 36439140     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             05/13/2026 No 2 B B B B   UT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26192195 36439142     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             05/13/2026 No 2 B B B B   UT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26192195 36439143     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             05/13/2026 No 2 B B B B   UT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26192195 36439144     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             05/13/2026 No 2 B B B B   UT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23296917 36501019     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             05/19/2026 No 2 B B B B   AZ Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23296917 36501021     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. (       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-11): XXXXX


Reviewer Comment (2026-06-04): XXXXX


Seller Comment (2026-06-03): XXXXX
   06/12/2026   No 2 C B C B   AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23296917 36501224     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The Lease Agreement document for the XXXXX property was missing from the file.       Reviewer Comment (2026-06-29): XXXXX


Seller Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-11): XXXXX


Reviewer Comment (2026-06-10): XXXXX


Seller Comment (2026-06-10): XXXXX


Reviewer Comment (2026-06-03): XXXXX


Seller Comment (2026-06-02): XXXXX
 06/29/2026     No 1 C A C A   AZ Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22486604 36620942     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             06/02/2026 No 2 B B B B   IL Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22486604 36620944     Compliance Compliance State Compliance State Defect XXXXX SB 1894 XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. The file was missing a copy of the Certificate of Compliance or Exemption.       Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-04): XXXXX
 06/08/2026     No 1 C A C A   IL Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22486604 36622710     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower.  Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application.       Reviewer Comment (2026-06-05): XXXXX


Seller Comment (2026-06-04): XXXXX
 06/05/2026     No 1 C A C A   IL Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23199377 36585266     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             05/29/2026 No 2 B B B B   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23199377 36585269     Compliance Compliance State Compliance State Defect XXXXX 50(a)(6) Security Instrument Provided on a TX Non-Home Equity Loan XXXXX Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for XXXXX Equity 50(a)(6). Potential contractual issue XXXXX Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for XXXXX Equity 50(a)(6). Potential contractual issue       Reviewer Comment (2026-06-05): XXXXX
     06/05/2026 No 2 B B B B   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23199377 36585271     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $420.00 exceeds tolerance of $295.00.  $125.00 over legal limit.  Insufficient or no cure was provided to the borrower. Credit Report Fee was disclosed as $295.00 on LE but disclosed as $420.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $125.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-03): XXXXX
 06/03/2026     No 1 C A C A   TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23199377 36648193     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $420.00 exceeds tolerance of $295.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-03): XXXXX
   06/03/2026   No 1   A   A   TX Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25432391 36597168     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-11): XXXXX
 06/11/2026     No 1 B A C A   MN Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25432391 36597169     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. Unable to verify income due to missing W-2, paystub, LES, ETS, or WVOE. (XXXXX/Wages)       Reviewer Comment (2026-06-11): XXXXX


Seller Comment (2026-06-09): XXXXX
 06/11/2026     No 1 C A C A   MN Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25432391 36597298     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Second Home not provided   The file was missing a copy of the Rider - Second Home.       Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-09): XXXXX
 06/09/2026     No 1 C A C A   MN Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25432391 36597350     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - The file was missing a copy of the WVOE - Includes Income.       Reviewer Comment (2026-06-11): XXXXX
 06/11/2026     No 1 C A C A   MN Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25432391 36597979     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-11): XXXXX
 06/11/2026     No 1 C A C A   MN Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26466778 36609578     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             06/02/2026 No 2 B B B B   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26466778 36609579     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             06/02/2026 No 2 B B B B   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26466778 36609617     Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided   Credit Report is missing.       Reviewer Comment (2026-06-11): XXXXX


Seller Comment (2026-06-11): XXXXX


Reviewer Comment (2026-06-08): XXXXX


Reviewer Comment (2026-06-04): XXXXX
 06/11/2026     No 1 D A D A   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26466778 36610162     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-11): XXXXX
 06/11/2026     No 1 B A C A   NC Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26466778 36610163     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Loan does not meet one or more guideline components which could impact the borrower's ability to repay.       Reviewer Comment (2026-06-11): XXXXX
 06/11/2026     No 1 C A C A   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29120534 36806026     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file for XXXXX.  The file contained a copy of the XXXXX and XXXXX 1040's and XXXXX business returns.             06/25/2026 No 2 B B B B   HI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29120534 36806094     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS.       Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-26): XXXXX
 06/26/2026     No 1 C A C A   HI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29120534 36806100     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided   The file was missing a copy of  the Purchase agreement / Sales Contract.       Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-26): XXXXX
 06/26/2026     No 1 D A D A   HI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27736028 36685125     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/11/2026 No 2 B B B B   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27736028 36685133     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   Security Instrument - Subject Lien is missing from the file.       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-12): XXXXX
 06/12/2026     No 1 D A D A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20491989 36677382     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/10/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23700447 36669269     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/09/2026 No 2 B B B B   MA Second Home Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24341384 36525325     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             05/20/2026 No 2 B B B B   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24341384 36525439     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - The file is missing a copy of VVOE - Employment Only       Reviewer Comment (2026-05-27): XXXXX


Seller Comment (2026-05-27): XXXXX
 05/27/2026     No 1 C A C A   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24341384 36525441     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - The file is missing a copy of VVOE - Employment Only       Reviewer Comment (2026-05-27): XXXXX


Seller Comment (2026-05-27): XXXXX
 05/27/2026     No 1 C A C A   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24341384 36525465     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing. Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ The Hazard Insurance Policy Effective Date is after the later of the note or transaction date.       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-11): XXXXX
 06/12/2026     No 1 C A C A   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24341384 36525484     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-05-27): XXXXX
 05/27/2026     No 1 B A C A   TX Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24341384 36525487     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-05-27): XXXXX
 05/27/2026     No 1 C A C A   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29240187 36855524     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $43.00 due to an increase in the recording fee. No valid COC was provided, nor was evidence of cure found in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $43.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-30): XXXXX
   06/30/2026   No 1 A A A A   CO Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28815759 36819551     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             06/26/2026 No 2 B B B B   NC Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28815759 36819620     Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Regular APR Change TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. The corrected Closing Disclosure issued on XX/XX/XX contains a change in APR, and a complete Closing Disclosure was not received by the borrower at least three (3) business days prior to consummation.       Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-29): XXXXX
 06/30/2026     No 1 C A C A   NC Primary Refinance - Cash-out - Other No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27860672 36553294     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Right of Rescission Disclosure is missing from file.       Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-10): XXXXX


Seller Comment (2026-07-01): XXXXX


Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-22): XXXXX


Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-03): XXXXX


Reviewer Comment (2026-06-02): XXXXX


Seller Comment (2026-05-27): XXXXX
 07/10/2026     No 1 C A C A   LA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27860672 36553326     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     05/26/2026 No 2 B B B B   LA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22174552 36651155     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             06/05/2026 No 2 B B B B   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22174552 36651157     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,130.00 exceeds tolerance of $980.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was last disclosed as $980.00 on Loan Estimate but disclosed as $1,130.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing.       Reviewer Comment (2026-06-03): XXXXX
   06/03/2026   No 1 A A A A   TX Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23885766 36427164     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             05/12/2026 No 2 B B B B   TX Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23885766 36427166     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared.       Reviewer Comment (2026-05-22): XXXXX
 05/22/2026     No 1 B A C A   TX Primary Refinance - Rate/Term Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23885766 36427167     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. File is missing third-party verification for XXXXX.       Reviewer Comment (2026-05-22): XXXXX


Seller Comment (2026-05-20): XXXXX
 05/22/2026     No 1 C A C A   TX Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23885766 36427168     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. File is missing third-party verification for XXXXX.       Reviewer Comment (2026-05-22): XXXXX


Seller Comment (2026-05-20): XXXXX
 05/22/2026     No 1 C A C A   TX Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23885766 36427169     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. File is missing third-party verification for XXXXX.       Reviewer Comment (2026-05-22): XXXXX


Seller Comment (2026-05-20): XXXXX
 05/22/2026     No 1 C A C A   TX Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23885766 36427170     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. File is missing third-party verification for Schedule C business.       Reviewer Comment (2026-05-22): XXXXX


Seller Comment (2026-05-20): XXXXX
 05/22/2026     No 1 C A C A   TX Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23885766 36427178     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $400.00 exceeds tolerance of $200.00.  $200.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Re-Inspection Fee was last disclosed as $200.00 on LE but disclosed as $400.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-05-20): XXXXX


Seller Comment (2026-05-19): XXXXX
 05/20/2026     No 1 C A C A   TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23885766 36427179     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $120.00 exceeds tolerance of $0.00.  $120.00 over legal limit.  Insufficient or no cure was provided to the borrower. Collateral Desktop Analysis Fee was last disclosed as $0.00 on LE but disclosed as $120.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $120.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-05): XXXXX


Reviewer Comment (2026-06-03): XXXXX


Seller Comment (2026-06-01): XXXXX


Reviewer Comment (2026-05-29): XXXXX


Seller Comment (2026-05-28): XXXXX


Reviewer Comment (2026-05-28): XXXXX


Seller Comment (2026-05-27): XXXXX


Reviewer Comment (2026-05-20): XXXXX


Seller Comment (2026-05-19): XXXXX
   06/08/2026   No 2 C B C B   TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23885766 36427180     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Right of Rescission Disclosure is missing from the file.       Reviewer Comment (2026-05-22): XXXXX


Seller Comment (2026-05-19): XXXXX
 05/22/2026     No 1 C A C A   TX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23885766 36542439     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  $200.00 over legal limit.  Insufficient or no cure was provided to the borrower. XXXXX the Appraisal Re-inspection fee was added on Seq 3 LE dated XX/XX/XX without a valid COC. Kindly provide a valid COC for the fee added on LE dated XX/XX/XX or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.       Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-05): XXXXX


Reviewer Comment (2026-06-03): XXXXX


Seller Comment (2026-06-01): XXXXX


Reviewer Comment (2026-05-29): XXXXX


Seller Comment (2026-05-28): XXXXX


Reviewer Comment (2026-05-28): XXXXX


Seller Comment (2026-05-27): XXXXX


Reviewer Comment (2026-05-21): XXXXX


Seller Comment (2026-05-20): XXXXX
   06/08/2026   No 2   B   B   TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24410903 36676291     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $815.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower. Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $815.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $65.00.       Reviewer Comment (2026-06-08): XXXXX
   06/08/2026   No 1 A A A A   ID Second Home Purchase Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27696154 36631292     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/03/2026 No 2 B B B B   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27696154 36632357     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $396.19 exceeds tolerance of $345.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-01): XXXXX
   06/01/2026   No 1 A A A A   TX Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20465843 36717773     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,920.40 exceeds tolerance of $0.00.  $3,920.40 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $3,920.40 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $3,920.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20465843 36717774     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $250.00 exceeds tolerance of $0.00.  $250.00 over legal limit.  Insufficient or no cure was provided to the borrower. Collateral Desktop Analysis Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $250.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-25): XXXXX


Reviewer Comment (2026-06-18): XXXXX
 06/26/2026     No 1 C A C A   MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20465843 36717775     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $246.34 exceeds tolerance of $245.00.  $1.34 over legal limit.  Insufficient or no cure was provided to the borrower. Credit Report Fee was last disclosed as $245.00 on Loan Estimate but disclosed as $246.34 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-18): XXXXX
   06/18/2026   No 2 C B C B   MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20465843 36717776     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $23,420.00 exceeds tolerance of $22,520.00.  $900.00 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax Fee was last disclosed as $22,520.00 on Loan Estimate but disclosed as $23,420.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-18): XXXXX
   06/18/2026   No 2 C B C B   MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20465843 36831423     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $246.34 exceeds tolerance of $245.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure provided at closing       Reviewer Comment (2026-06-26): XXXXX
   06/26/2026   No 1   A   A   MD Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20465843 36831424     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $23,420.00 exceeds tolerance of $22,520.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure provided at closing       Reviewer Comment (2026-06-26): XXXXX
   06/26/2026   No 1   A   A   MD Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24936800 36770713     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was last disclosed as $0.00 on Initial closing disclosure but disclosed as $92.70 on Final Closing Disclosure.  File does not contain a valid COC for this fee, sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-19): XXXXX
   06/19/2026   No 1 A A A A   CO Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24936800 36770714     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $178.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee was last disclosed as $150.00 on Initial closing disclosure but disclosed as $178.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-19): XXXXX
   06/19/2026   No 1 A A A A   CO Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22560585 36807070     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             06/25/2026 No 2 B B B B   MI Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22560585 36807116     Credit Disclosure Missing Document Disclosure E-sign Consent Agreement is missing. - The file is missing a copy of the E-Sign Consent Agreement.       Reviewer Comment (2026-07-01): XXXXX


Seller Comment (2026-07-01): XXXXX
 07/01/2026     No 1 C A C A   MI Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21206407 36872994     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. The verification appraisal delivered to the borrower was not provided.             07/07/2026 No 2 B B B B   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27306296 36661026     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained copies of the XXXXX and XXXXX 1040s and business returns.             06/08/2026 No 2 B B B B   ID Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29966495 36873593     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,742.23 exceeds tolerance of $2,378.00 plus 10% or $2,615.80.  $2,126.43 over legal limit.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $2,126.43 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,126.43, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-09): XXXXX


Seller Comment (2026-07-08): XXXXX
 07/09/2026     No 1 C A C A   WA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29769978 36741508     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-19): XXXXX
 06/19/2026     No 1 B A C A   FL Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29769978 36741509     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. Third Party Verification not provided for Sole Proprietorship XXXXX income.       Reviewer Comment (2026-06-19): XXXXX


Seller Comment (2026-06-19): XXXXX
 06/19/2026     No 1 C A C A   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29769978 36741510     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s.             06/18/2026 No 2 B B B B   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29769978 36741511     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s.             06/18/2026 No 2 B B B B   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29769978 36757163     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Loan does not meet one or more guideline components which could impact the borrower's ability to repay.       Reviewer Comment (2026-06-19): XXXXX


Seller Comment (2026-06-19): XXXXX
 06/19/2026     No 1 C A C A   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23077388 36678283     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge Test TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,090,643.00 is under disclosed by $1,225.00 compared to the calculated Finance Charge of $1,091,868.00 which exceeds the $100.00 threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX). Finance Charge disclosed is $1,090,643.00.  Calculated finance charge is $1,091,868.00.  Variance of $1,225.00.  Based on review of Lender's compliance report, XXXX fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-11): XXXXX
 06/12/2026     No 1 C A C A   MA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23077388 36680894     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - This file was missing a copy of VVOE.  Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.       Reviewer Comment (2026-06-18): XXXXX


Reviewer Comment (2026-06-16): XXXXX


Seller Comment (2026-06-16): XXXXX


Reviewer Comment (2026-06-11): XXXXX


Seller Comment (2026-06-11): XXXXX
 06/18/2026     No 1 C A C A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28391700 36722939     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - The file was missing a copy of the Work Number - Employment and Income verification.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28391700 36722955     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-18): XXXXX
 06/18/2026     No 1 B A C A   CA Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28391700 36722956     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Loan does not meet one or more guideline components which could impact the borrower's ability to repay.       Reviewer Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28391700 36722957     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             06/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28391700 36722958     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             06/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23937902 36806111     Compliance Compliance State Compliance Misc. State Level Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) XXXXX Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable.       Reviewer Comment (2026-07-01): XXXXX


Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-29): XXXXX
     07/01/2026 No 2 B B B B   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22781464 36669815     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge Test TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,315,802.97 is under disclosed by $392.50 compared to the calculated Finance Charge of $1,316,195.47 which exceeds the $100.00 threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX). Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,315,802.97 is under disclosed by $392.50 compared to the calculated Finance Charge of $1,316,195.47 which exceeds the $100.00 threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX. (Final/XX/XX/XX)       Reviewer Comment (2026-07-15): XXXXX


Seller Comment (2026-07-14): XXXXX
   07/15/2026   No 2 C B C B   FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22781464 36669816     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX).  The disclosed Total of Payments in the amount of $2,359,120.72 is under disclosed by $997.86 compared to the calculated total of payments of $2,360,118.58 which exceeds the $100.00 threshold. Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $2,359,120.72 is under disclosed by $997.86 compared to the calculated total of payments of $2,360,118.58 which exceeds the $100.00 threshold. (Final/XX/XX/XX)       Reviewer Comment (2026-07-15): XXXXX


Seller Comment (2026-07-14): XXXXX
   07/15/2026   No 2 C B C B   FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20484550 36584144     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing. Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above 680.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-06-05): XXXXX


Buyer Comment (2026-06-03): XXXXX
     06/05/2026 Yes 2 C B C B   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20484550 36584159     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.           Reviewer Comment (2026-06-10): XXXXX


Seller Comment (2026-06-10): XXXXX


Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-08): XXXXX


Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-05): XXXXX


Reviewer Comment (2026-06-03): XXXXX


Seller Comment (2026-06-03): XXXXX


Reviewer Comment (2026-06-01): XXXXX


Seller Comment (2026-06-01): XXXXX
 06/10/2026     No 1 C A C A   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20484550 36584161     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 B A C A   MT Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20484550 36584162     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 C A C A   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20484550 36584163     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.             05/29/2026 No 2 B B B B   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22194932 36660725     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file is missing a copy of AUS Document.       Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-09): XXXXX
 06/09/2026     No 1 C A C A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25210421 36650007     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal is missing. Sec ID: 1           Reviewer Comment (2026-06-08): XXXXX
 06/08/2026     No 1 D A D A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25210421 36650013     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The property is located in FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date.       Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-08): XXXXX
 06/08/2026     No 1 C A C A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25210421 36650027     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided           Reviewer Comment (2026-06-08): XXXXX


Seller Comment (2026-06-08): XXXXX
 06/08/2026     No 1 D A D A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25210421 36677787     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/08/2026 No 2   B   B   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22737427 36625717     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $120.00 exceeds tolerance of $0.00.  $120.00 over legal limit.  Insufficient or no cure was provided to the borrower. Collateral Desktop Analysis was last disclosed as $0.00 on Loan Estimate but disclosed as $120.00 on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $120.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-10): XXXXX


Seller Comment (2026-06-08): XXXXX


Reviewer Comment (2026-06-05): XXXXX
 06/10/2026     No 1 C A C A   CO Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21861047 36719100     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             06/15/2026 No 2 B B B B   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21861047 36719101     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             06/15/2026 No 2 B B B B   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23038481 36628080     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             06/03/2026 No 2 B B B B   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25722904 36755243     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.       Reviewer Comment (2026-06-24): XXXXX
 06/24/2026     No 1 C A C A   WA Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23320458 36776053     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.             06/24/2026 No 2 B B B B   GA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23320458 36776058     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             06/24/2026 No 2 B B B B   GA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23320458 36776224     Compliance Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note Missing Document: Note - Subject Lien not provided   The file was missing a copy of the subject lien note document.       Reviewer Comment (2026-06-25): XXXXX


Seller Comment (2026-06-24): XXXXX
 06/25/2026     No 1 D A D A   GA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20463677 36757087     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-18): XXXXX
   06/18/2026   No 1 A A A A   CO Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21858001 36653816     Credit Insurance Insurance Analysis Insurance The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date ___, Note Date ___ The flood insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX.  Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation.       Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-08): XXXXX
 06/09/2026     No 1 C A C A   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20400509 36660956     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/08/2026 No 2 B B B B   CA Second Home Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26232797 36668801     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.             06/09/2026 No 2 B B B B   NV Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26232797 36674235     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-08): XXXXX
   06/08/2026   No 1 A A A A   NV Primary Refinance - Cash-out - Other Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26232797 36674481     Credit Loan Eligibility Guideline Issue Loan Eligibility Refi Purpose reflects Rate/Term and cash out greater than the greater of 1% of the loan amount or $XXXXX.   The loan was approved and delivered as a Rate/Term refinance. The borrower received cash-out exceeding the lesser of 2% of the loan amount or $2,000.00.       Reviewer Comment (2026-06-15): XXXXX


Seller Comment (2026-06-12): XXXXX
 06/15/2026     No 1 C A C A   NV Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26232797 36674496     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/09/2026 No 2 B B B B   NV Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26232797 36810296     Credit Credit Miscellaneous Guideline Credit Exception:   Missing evidence XXXXX account paid in full.       Reviewer Comment (2026-06-26): XXXXX
 06/26/2026     No 1   A   A   NV Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28455348 36841544     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX and XXXXX 1040's and business returns.             07/01/2026 No 2 B B B B   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28455348 36841545     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX and XXXXX 1040's and business returns.             07/01/2026 No 2 B B B B   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28455348 36841547     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,750.00 exceeds tolerance of $3,000.00.  $750.00 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was previously disclosed to the borrower on the Loan estimate as $3,000.00 but it increased on the closing disclosure as $3,750.00. No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues.       Reviewer Comment (2026-07-13): XXXXX


Seller Comment (2026-07-09): XXXXX


Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-02): XXXXX
 07/13/2026     No 1 C A C A   CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28455348 36841548     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  $92.70 over legal limit.  Insufficient or no cure was provided to the borrower. Second Appraisal Fee was previously disclosed to the borrower on the Loan estimate as $0.00 but it increased on the closing disclosure as $92.70 No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues.       Reviewer Comment (2026-07-08): XXXXX


Seller Comment (2026-07-07): XXXXX
 07/08/2026     No 1 C A C A   CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29626755 36850744     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/02/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29626755 36851189     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $311.86 exceeds tolerance of $285.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit report fee was last disclosed as $285.00 on LE but disclosed as $311.86 in Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-06-30): XXXXX
   06/30/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20502486 36770593     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $157.00 plus 10% or $172.70.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $27.30 due to an increase in fees. No valid COC was provided. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-06-19): XXXXX
   06/19/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20502486 36770615     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance coverage of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/23/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21671450 36723056     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. The verification appraisal delivered to the borrower was not provided.             06/16/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21671450 36723057     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.       Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-02): XXXXX


Reviewer Comment (2026-07-02): XXXXX
 07/06/2026     No 1 C A C A   WA Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26404242 36851245     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.       Reviewer Comment (2026-07-08): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/08/2026     No 1 C A C A   TX Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22341836 36757029     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/22/2026 No 2 B B B B   FL Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22341836 36772515     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Missing AUS.       Reviewer Comment (2026-06-24): XXXXX


Seller Comment (2026-06-24): XXXXX
 06/24/2026     No 1 C A C A   FL Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23465774 36661208     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             06/08/2026 No 2 B B B B   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23465774 36661209     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing.       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-11): XXXXX
 06/12/2026     No 1 C A C A   OR Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23465774 36661321     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Verified assets in the amount of $97,194.81 are insufficient to meet reserves requirement of $176,482.19.  Final 1008 reflects $244,506.00 verified, however, we required additional to CTC.       Reviewer Comment (2026-06-17): XXXXX


Seller Comment (2026-06-16): XXXXX


Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-11): XXXXX
 06/17/2026     No 1 C A C A   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21534388 36660214     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/08/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22989366 36718763     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX).  The disclosed Total of Payments in the amount of $2,360,675.82 is under disclosed by $150.00 compared to the calculated total of payments of $2,360,825.82 which exceeds the $100.00 threshold. Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $2,360,675.82 is under disclosed by $150.00 compared to the calculated total of payments of $2,360,825.82 which exceeds the $100.00 threshold.       Reviewer Comment (2026-06-29): XXXXX


Seller Comment (2026-06-26): XXXXX
   06/29/2026   No 2 C B C B   CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22989366 36718765     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $150.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-11): XXXXX
   06/11/2026   No 1 A A A A   CA Primary Purchase Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25583538 36819200     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX and XXXXX 1040's and XXXXX business returns.             06/26/2026 No 2 B B B B   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25583538 36819201     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX and XXXXX 1040's and business returns.             06/26/2026 No 2 B B B B   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25583538 36819203     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  $123.60 over legal limit.  Insufficient or no cure was provided to the borrower. Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/07/2026     No 1 C A C A   CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20878042 36741578     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/18/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20878042 36741651     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $1,339,800.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-25): XXXXX
 06/26/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29974436 36741992     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   The file was missing a copy of Hazard Insurance policy for subject property.       Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-25): XXXXX
 06/26/2026     No 1 C A C A   IL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29974436 36742019     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $324.00 exceeds tolerance of $220.00 plus 10% or $242.00.  $82.00 over legal limit.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $82.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $82.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-01): XXXXX


Seller Comment (2026-06-29): XXXXX
 07/01/2026     No 1 C A C A   IL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29974436 36742020     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $450.00 exceeds tolerance of $250.00.  $200.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Review Fee was last disclosed as $250.00 on LE but disclosed as $450.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-01): XXXXX


Seller Comment (2026-06-29): XXXXX
 07/01/2026     No 1 C A C A   IL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29974436 36860588     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $450.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-01): XXXXX
   07/01/2026   No 1   A   A   IL Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24665468 36671536     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal received by borrower three (3) business days prior to consummation.             06/09/2026 No 2 B B B B   VA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24665468 36671538     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $700.00 exceeds tolerance of $350.00.  $350.00 over legal limit.  Insufficient or no cure was provided to the borrower. Credit Report Fee was last disclosed as $350.00 on Loan Estimate but disclosed as $700.00 on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $350.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-10): XXXXX
 06/12/2026     No 1 C A C A   VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24665468 36671539     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $11,002.67 exceeds tolerance of $9,023.00.  $1,979.67 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax was last disclosed as $9023.00 on Loan Estimate but disclosed as $11,002.67 on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $XXXXX.67, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-12): XXXXX


Seller Comment (2026-06-10): XXXXX
 06/12/2026     No 1 C A C A   VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24665468 36721101     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $11,002.67 exceeds tolerance of $9,023.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure provided at closing       Reviewer Comment (2026-06-12): XXXXX
   06/12/2026   No 1   A   A   VA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24665468 36724708     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Missing AUS with correct loan amount. DU in file reflects loan amount of $XXXXX and Approve Eligible recommendation, however loan closed with loan amount of $XXXXX and 1008 reflects AUS recommendation is Approve Ineligible.  Please provide final AUS.       Reviewer Comment (2026-06-15): XXXXX


Seller Comment (2026-06-15): XXXXX
 06/15/2026     No 1   A   A   VA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28390731 36771202     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/23/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25445906 36709261     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-10): XXXXX
   06/10/2026   No 1 A A A A   TX Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27513519 36872741     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/07/2026 No 2 B B B B   IL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27513519 36872743     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $630.00 exceeds tolerance of $610.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $610.00 on LE but disclosed as $630.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $20.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 1 A A A A   IL Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29490608 36721422     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/16/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29490608 36721426     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             06/16/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29490608 36721436     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-17): XXXXX
 06/18/2026     No 1 C A C A   CA Second Home Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24157400 36748293     Compliance Compliance Miscellaneous Compliance Compliance TRID Error: Cash at settlement from or to borrower is blank. - Final Closing Disclosure did disclose the Cash From/To designation.       Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-24): XXXXX


Seller Comment (2026-06-23): XXXXX
 06/30/2026     No 1 C A C A   WA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21963537 36891357     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing a copy of the Tax verification for the property located at XXXXX.       Reviewer Comment (2026-07-13): XXXXX


Seller Comment (2026-07-10): XXXXX
 07/13/2026     No 1 C A C A   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21963537 36891401     Compliance Compliance State Compliance Misc. State Level Maryland Counseling Agencies Disclosure Not in File XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. No evidence of required counseling disclosure language per XXXXX HB 1399.       Reviewer Comment (2026-07-13): XXXXX


Seller Comment (2026-07-10): XXXXX
 07/13/2026     No 1 B A B A   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21963537 36891411     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $696.00 exceeds tolerance of $600.00.  $96.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $600.00 on LE but disclosed as $696.00 on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $96.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-27): XXXXX


Seller Comment (2026-07-24): XXXXX


Reviewer Comment (2026-07-24): XXXXX


Seller Comment (2026-07-23): XXXXX


Reviewer Comment (2026-07-20): XXXXX


Seller Comment (2026-07-17): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Seller Comment (2026-07-10): XXXXX
   07/27/2026   No 2 C B C B   MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23030976 36888721     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $90.00 exceeds tolerance of $0.00.  $90.00 over legal limit.  Insufficient or no cure was provided to the borrower. Collateral Desktop Analysis was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $90.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX


Reviewer Comment (2026-07-16): XXXXX
   07/23/2026   No 2 C B C B   AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23030976 36888722     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $269.24 exceeds tolerance of $225.00.  $44.24 over legal limit.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance was exceeded for Credit Report Fee. Fee amount of $269.24 exceeds tolerance of $225.00. $44.24 over legal limit. Sufficient cure was provided to the borrower at closing.       Reviewer Comment (2026-07-07): XXXXX
   07/07/2026   No 1 C B C B   AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29395099 36760858     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,465.00 exceeds tolerance of $0.00.  $2,465.00 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points were last disclosed as $0.00 on Loan Estimate but disclosed as $2,465.00 on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $2,465.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-25): XXXXX


Seller Comment (2026-06-24): XXXXX


Seller Comment (2026-06-23): XXXXX
 06/25/2026     No 1 C A C A   MA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27733535 36750235     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $51.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Verification of Employment Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $51.95 in Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-06-17): XXXXX
   06/17/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26365425 36818327     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/26/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947320     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947321     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947322     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947323     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947324     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947325     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947326     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947327     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947328     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947329     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX business tax returns. Evidence of extension not provided in file. The file contained a copy of the XXXXX and XXXXX 1040s.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23384305 36947330     Compliance Compliance Federal Compliance TRID TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-13,791.61 exceeds tolerance of $-13,874.11. Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-10): XXXXX
   07/10/2026   No 1 A A A A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23384305 36947332     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $184.32 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-10): XXXXX
   07/10/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20189340 36757132     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-18): XXXXX
   06/18/2026   No 1 A A A A   CA Primary Refinance - Cash-out - Other Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24931232 36642708     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS is missing.       Seller Comment (2026-06-09): XXXXX


Reviewer Comment (2026-06-09): XXXXX


Seller Comment (2026-06-08): XXXXX
 06/09/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28033030 36819332     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $129.00 exceeds tolerance of $126.00.  Sufficient or excess cure was provided to the borrower. Credit Report Fee was last disclosed as $126.00 on LE but disclosed as $129.00 on Final Closing Disclosure. File does not contain a valid COC for this fee. However, evidence of cure in file in the amount of $3.00.       Reviewer Comment (2026-06-25): XXXXX
   06/25/2026   No 1 A A A A   WA Second Home Purchase Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28033030 36824890     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $129.00 exceeds tolerance of $126.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-25): XXXXX
   06/25/2026   No 1 A A A A   WA Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21003786 36725157     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21003786 36725169     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. The file was missing a copy of the Closing Disclosure not provided to Borrower at least three (3) business days prior to closing.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-17): XXXXX
 06/18/2026     No 1 C A C A   CA Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21003786 36725186     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $235.00 exceeds tolerance of $125.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was last disclosed as $125.00 on Initial Closing Disclosure but disclosed as $235.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $110.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-12): XXXXX
   06/12/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21003786 36746089     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.               06/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22880240 36724615     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing a copy of the tax certificate for property XXXXX.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22880240 36724636     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-18): XXXXX
 06/18/2026     No 1 B A C A   WA Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22880240 36724643     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX 1040s.             06/16/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22880240 36724654     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. The file was missing a copy of Form 1007 or 1025, with Market Rents for property XXXXX.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22880240 36746096     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Lease agreement is missing for noted REO.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25659211 36835433     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/30/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24287190 36759587     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in the file did not disclose the amount of title insurance coverage. Escrow instructions show the correct loan amount, please override. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/22/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24299354 36902329     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to the borrower was not provided.             07/09/2026 No 2 B B B B   IL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24299354 36902331     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $750.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-08): XXXXX
   07/08/2026   No 1 A A A A   IL Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21091737 36771590     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.       Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-29): XXXXX


Reviewer Comment (2026-06-29): XXXXX


Seller Comment (2026-06-26): XXXXX
 06/30/2026     No 1 C A C A   AZ Second Home Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23175960 36841316     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/01/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26352071 36824178     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/29/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26352071 36824202     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/29/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26858187 36930539     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.       Reviewer Comment (2026-07-22): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26858187 36930579     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/13/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28955046 36747324     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             06/19/2026 No 2 B B B B   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28955046 36747369     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX and XXXXX 1040's and business returns.             06/19/2026 No 2 B B B B   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28453377 36835371     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             06/30/2026 No 2 B B B B   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28453377 36835372     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             06/30/2026 No 2 B B B B   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28453377 36835381     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/30/2026 No 2 B B B B   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26656856 36741023     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal fee was last disclosed as $0.00 on LE but disclosed as $123.60 in Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-06-16): XXXXX
   06/16/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26656856 36741024     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $308.75 exceeds tolerance of $220.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit report fee was last disclosed as $220.00 on LE but disclosed as $308.75 in Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-06-16): XXXXX
   06/16/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20631330 37011239     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $131.00 exceeds tolerance of $105.00 plus 10% or $115.50.  $15.50 over legal limit.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $115.50 due to an increase in recording fee. No valid Change of Circumstance (COC) was provided, nor evidence of cure in the file. Provide a post-close Closing Disclosure (CD) disclosing the tolerance cure to include $15.50, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-22): XXXXX
 07/22/2026     No 1 C A C A   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22657238 36724150     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22657238 36724156     Credit Documents Missing Document Documents File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. - File does not contain documentation from lender/seller confirming the condo/co-op is warrantable.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-18): XXXXX
 06/18/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22657238 36724158     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24660562 36818068     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $630.00 exceeds tolerance of $389.00 plus 10% or $427.90.  Sufficient or excess cure was provided to the borrower at Closing. 10% Tolerance was last disclosed as $427.90 on LE but disclosed as $630.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $202.10, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-24): XXXXX
   06/24/2026   No 1 A A A A   NY Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24660562 36818069     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $59.00 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. 0% Tolerance was last disclosed as $35.00 on LE but disclosed as $59.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $24, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-24): XXXXX
   06/24/2026   No 1 A A A A   NY Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24660562 36818071     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower.  Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application.       Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-29): XXXXX
 06/30/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25870706 36824758     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/29/2026 No 2 B B B B   WY Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24056004 36865076     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             07/06/2026 No 2 B B B B   MI Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21150026 36874662     Compliance Compliance State Compliance State Defect XXXXX SB 1894 XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. The file is missing a copy of the Certificate of Compliance Document.       Reviewer Comment (2026-07-16): XXXXX


Seller Comment (2026-07-16): XXXXX
 07/16/2026     No 1 C A C A   IL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21150026 36874663     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge Test TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,223,426.89 is under disclosed by $275.00 compared to the calculated Finance Charge of $1,223,701.89 which exceeds the $100.00 threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX). Finance Charge disclosed is $1,223,701.89. Calculated finance charge is $1,223,426.89. Variance of -$275.00. Based on review of Lender's compliance report, the -$275.00 fee was not included in the finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected Closing Disclosure, and Re-open Rescission if Applicable.       Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX


Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-09): XXXXX
   07/23/2026   No 2 C B C B   IL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28143227 36833218     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/30/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25480674 36834352     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  $92.70 over legal limit.  Insufficient or no cure was provided to the borrower. Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-14): XXXXX


Seller Comment (2026-07-13): XXXXX


Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/14/2026     No 1 C A C A   AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25480674 36834435     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/30/2026 No 2 B B B B   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26146938 36814235     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/26/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26427035 36835392     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX 1040's.             06/30/2026 No 2 B B B B   UT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26427035 36835489     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $135.00 exceeds tolerance of $90.00 plus 10% or $99.00.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $90.00. Cure Provided in the amount of $324.00.       Reviewer Comment (2026-06-26): XXXXX
   06/26/2026   No 1 A A A A   UT Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26427035 36835490     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Re-Inspection Fee  was  last disclosed as $0 on LE but disclosed as $250.00 on Final Closing Disclosure. File does contain a cure in file with the amount $324.00.       Reviewer Comment (2026-06-26): XXXXX
   06/26/2026   No 1 A A A A   UT Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26427035 36835491     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $178.00 exceeds tolerance of $140.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee  was  last disclosed as $140.00 on LE but disclosed as $178.00 on Final Closing Disclosure. File does contain a cure in file with the amount $324.00.       Reviewer Comment (2026-06-26): XXXXX
   06/26/2026   No 1 A A A A   UT Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26427035 36835515     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Hazard Insurance verification is missing for REO XXXXX.       Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-02): XXXXX
 07/06/2026     No 1 C A C A   UT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26427035 36851769     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX 1040's and XXXXX and XXXXX business returns.             06/30/2026 No 2 B B B B   UT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26427035 36851770     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX.  The file contained a copy of the XXXXX 1040's and XXXXX and XXXXX business returns.             06/30/2026 No 2 B B B B   UT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20496212 36960686     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-20): XXXXX


Seller Comment (2026-07-16): XXXXX
 07/20/2026     No 1 B A C A   CO Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20496212 36960695     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/15/2026 No 2 B B B B   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20496212 36960699     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - File is missing an Employer Letter or other evidence of the Projected income details.       Reviewer Comment (2026-07-20): XXXXX


Seller Comment (2026-07-20): XXXXX
 07/20/2026     No 1 C A C A   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20496212 36960726     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Loan does not meet one or more guideline components which could impact the borrower's ability to repay.       Reviewer Comment (2026-07-20): XXXXX


Seller Comment (2026-07-20): XXXXX
 07/20/2026     No 1 C A C A   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22326114 36958987     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-13): XXXXX
   07/13/2026   No 1   A   A   CO Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26035368 36771020     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-19): XXXXX
   06/19/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28207971 36814165     Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Regular APR Change TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.       Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-29): XXXXX
 06/30/2026     No 1 C A C A   NV Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28207971 36814167     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-24): XXXXX
   06/24/2026   No 1 A A A A   NV Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28207971 36814168     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $133.00 exceeds tolerance of $132.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $133.00 exceeds tolerance of $132.00. Sufficient cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-24): XXXXX
   06/24/2026   No 1 A A A A   NV Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21815530 36818422     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Right of Rescission Disclosure is missing from file.       Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-01): XXXXX
 07/07/2026     No 1 C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21815530 36818452     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $230.00 exceeds tolerance of $0.00.  $230.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Re-Inspection Fee last disclosed as $0.00 on Loan Estimate but disclosed as $230.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-closing Closing Disclosure disclosing the tolerance cure, to include $230.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-24): XXXXX
   06/24/2026   No 2 C B C B   CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21815530 36818475     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of AUS.       Reviewer Comment (2026-07-01): XXXXX


Seller Comment (2026-07-01): XXXXX
 07/01/2026     No 1 C A C A   CA Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21815530 36820265     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.       Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-02): XXXXX
   07/06/2026   No 2 C B C B   CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28421150 36939782     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX.             07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28421150 36939788     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/14/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20793929 36760500     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/22/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21523435 36887838     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/08/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20518097 36925407     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/13/2026 No 2 B B B B   GA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20518097 36925408     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/13/2026 No 2 B B B B   GA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20518097 36925409     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/13/2026 No 2 B B B B   GA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20518097 36925410     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/13/2026 No 2 B B B B   GA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23393020 36755476     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             06/22/2026 No 2 B B B B   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24543842 36944396     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $705.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $695.00 on LE but disclosed as $705.00 on Final Closing Disclosure. File does contain a cure in file with the amount $10.00 which is sufficient.       Reviewer Comment (2026-07-10): XXXXX
   07/10/2026   No 1 A A A A   FL Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22983681 36888841     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/08/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25229282 36841507     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Mortgage Statement document was missing from the file.       Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/07/2026     No 1 C A C A   GA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26013976 36813728     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/26/2026 No 2 B B B B   OH Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26013976 36813729     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Signed at Closing) XXXXX Consumer Sales Practices Act:  Right Not To Close Disclosure not properly executed. Right Not To Close Disclosure not properly executed.       Reviewer Comment (2026-07-01): XXXXX
     07/01/2026 No 2 B B B B   OH Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28974857 36841082     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             07/01/2026 No 2 B B B B   GA Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28974857 36841085     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $0.00 exceeds tolerance of $-117.00. Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-117.00. Insufficient or no cure was provided to the borrower.       Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-02): XXXXX
 07/06/2026     No 1 C A C A   GA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28974857 36841086     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,735.30 exceeds tolerance of $0.00.  $1,735.30 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $1,735.30 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, evidence of cure in file.       Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-02): XXXXX
 07/06/2026     No 1 C A C A   GA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28974857 36841155     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/07/2026     No 1 C A C A   GA Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25530035 36958041     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/15/2026 No 2 B B B B   CA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25530035 36958043     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $225.00 exceeds tolerance of $0.00.  $225.00 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax Fee was last disclosed as $0.00 on LE but disclosed as $225.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $225.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX
 07/23/2026     No 1 C A C A   CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25530035 36958692     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - This file was missing a copy of VVOE.  Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.       Reviewer Comment (2026-07-17): XXXXX


Seller Comment (2026-07-17): XXXXX
 07/17/2026     No 1 C A C A   CA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25530035 36958693     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - This file was missing a copy of VVOE.  Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.       Reviewer Comment (2026-07-17): XXXXX


Seller Comment (2026-07-17): XXXXX
 07/17/2026     No 1 C A C A   CA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21988465 36864283     Credit Loan Package Documentation Application / Processing Insurance Missing Document: Flood Certificate not provided   The file was missing a copy of the Flood Certificate.       Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-07): XXXXX
 07/07/2026     No 1 C A C A   TX Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26631264 36718616     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Disclosures were sent to borrower prior to obtaining consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application or proof of disclosure sent to borrower using another method within 3 days of application.       Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-17): XXXXX
 06/18/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26631264 36718618     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $642.00 exceeds tolerance of $495.00.  $147.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $495.00 on Loan Estimate but disclosed as $642.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $147.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-25): XXXXX


Seller Comment (2026-06-24): XXXXX


Reviewer Comment (2026-06-18): XXXXX


Seller Comment (2026-06-17): XXXXX
 06/25/2026     No 1 C A C A   AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26631264 36719760     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Mortgage Statement was not provided for second mortgage XXXXX.       Reviewer Comment (2026-06-30): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Seller Comment (2026-06-25): XXXXX


Reviewer Comment (2026-06-24): XXXXX


Seller Comment (2026-06-23): XXXXX


Reviewer Comment (2026-06-22): XXXXX


Seller Comment (2026-06-22): XXXXX


Reviewer Comment (2026-06-17): XXXXX


Seller Comment (2026-06-17): XXXXX
 06/30/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26382118 36885168     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/07/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29039142 36715785     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   The file was missing a copy of the Security Instrument document.       Reviewer Comment (2026-06-16): XXXXX
 06/16/2026     No 1 D A D A   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29039142 36715812     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             06/15/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29039142 36746712     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-17): XXXXX
   06/17/2026   No 1   A   A   WA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29039142 36746713     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-17): XXXXX
   06/17/2026   No 1   A   A   WA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20695139 36865523     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             07/06/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20695139 36865527     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $80.00 exceeds tolerance of $0.00.  $80.00 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $80.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $80.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-24): XXXXX


Seller Comment (2026-07-24): XXXXX
   07/24/2026   No 2 C B C B   WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20315491 36959787     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,185.00 exceeds tolerance of $1,085.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,185.00 exceeds tolerance of $1,085.00. Sufficient cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-13): XXXXX
   07/13/2026   No 1 A A A A   MT Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24443379 36814990     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in the file did not disclose the amount of title insurance coverage. Closing instructions show correct loan amount, please override. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/26/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29248410 36961516     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/15/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29248410 36961536     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/15/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26986835 36939327     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             07/14/2026 No 2 B B B B   OR Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21874441 36901172     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier borrower receipt was not found in file.       Reviewer Comment (2026-07-13): XXXXX


Seller Comment (2026-07-10): XXXXX
 07/13/2026     No 1 C A C A   CA Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21874441 36901197     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/09/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23425001 36871268     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/07/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27738193 36850291     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/02/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29039198 36962341     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             07/15/2026 No 2 B B B B   NC Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29039198 36962342     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.             07/15/2026 No 2 B B B B   NC Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23535810 37052554     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $205.62 exceeds tolerance of $175.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-23): XXXXX
   07/23/2026   No 1 A A A A   TX Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23535810 37052556     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $16.00 exceeds tolerance of $15.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-23): XXXXX
   07/23/2026   No 1 A A A A   TX Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22389024 36806433     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. The verification appraisal delivered to the borrower was not provided.             06/25/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22389024 36806441     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/25/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24043701 36813225     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2           Reviewer Comment (2026-06-29): XXXXX


Seller Comment (2026-06-29): XXXXX
 06/29/2026     No 1 D A D A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24043701 36813231     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.   The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. Please provide prior policy.       Reviewer Comment (2026-06-29): XXXXX


Seller Comment (2026-06-29): XXXXX
 06/29/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24043701 36813265     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Loan amount is more than $XXXXX require a 2nd full appraisal.       Reviewer Comment (2026-06-29): XXXXX


Seller Comment (2026-06-29): XXXXX
 06/29/2026     No 1 D A D A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24043701 36840043     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             06/29/2026 No 2   B   B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28856635 36718224     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     06/15/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28927685 36851219     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 Preliminary title document does not state the coverage amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/02/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28927685 36851230     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.   Hazard Insurance Policy Effective Date XX/XX/XX; Disbursement Date: XX/XX/XX; Note Date: XX/XX/XX; Transaction Date: XX/XX/XX       Reviewer Comment (2026-07-06): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/06/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28927685 36851240     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.             07/02/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23760958 36865615     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification revised appraisal delivered to borrower was not provided.             07/06/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23760958 36865616     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.             07/06/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23760958 36867213     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title commitment did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/06/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28048547 36850538     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee last disclosed as $850.00 on Loan Estimate but disclosed as $1,050.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-06-30): XXXXX
   06/30/2026   No 1 A A A A   MT Primary Refinance - Cash-out - Other Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28048547 36850548     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/02/2026 No 2 B B B B   MT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27426371 36973376     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.             07/16/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27426371 36973377     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-07-22): XXXXX
     07/22/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27426371 36973378     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2026-07-22): XXXXX
     07/22/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25172052 36887907     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.             07/08/2026 No 2 B B B B   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25172052 36887908     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.             07/08/2026 No 2 B B B B   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25172052 36887909     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.             07/08/2026 No 2 B B B B   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25172052 36887910     Compliance Compliance State Compliance Misc. State Level Maryland Counseling Agencies Disclosure Not in File XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. No evidence of required counseling disclosure language per XXXXX HB 1399.       Reviewer Comment (2026-07-15): XXXXX


Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-09): XXXXX
     07/15/2026 No 2 B B B B   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25172052 36887913     Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing.       Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-09): XXXXX
 07/10/2026     No 1 C A C A   MD Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25172052 36887928     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.             07/08/2026 No 2 B B B B   MD Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22715388 36841379     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 Closing instructions show correct loan amount; please override. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/01/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21348261 37019801     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Documented qualifying Assets for Closing of $896,586.90 is less than Cash from Borrower $1,154,244.34. Final 1008 verified $1,274,576.39 however, proof of proceeds from pending sale of property was not provided.       Reviewer Comment (2026-07-28): XXXXX


Seller Comment (2026-07-28): XXXXX
 07/28/2026     No 1 C A C A   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21348261 37019805     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Final 1008 verified $1,274,576.39 however, proof of proceeds from pending sale of property was not provided.       Reviewer Comment (2026-07-28): XXXXX
 07/28/2026     No 1 C A C A   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21348261 37021655     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-28): XXXXX
 07/28/2026     No 1 B A C A   MT Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21348261 37021664     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Based on the loan failing one or more guideline components, the loan is at ATR risk.       Reviewer Comment (2026-07-28): XXXXX
 07/28/2026     No 1 C A C A   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24106778 36874557     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Verification appraisal delivered to borrower was not provided.             07/07/2026 No 2 B B B B   CA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28868077 37034286     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $6,330.00 exceeds tolerance of $5,275.00.  $1,055.00 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was last disclosed as $5,275.00 on Loan Estimate but disclosed as $6,330.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $1,055.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-27): XXXXX


Seller Comment (2026-07-24): XXXXX
 07/27/2026     No 1 C A C A   CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28868077 37034287     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $79.03 exceeds tolerance of $0.00.  $79.03 over legal limit.  Insufficient or no cure was provided to the borrower. Verification Of Employment Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $79.03 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $79.03, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-27): XXXXX


Seller Comment (2026-07-24): XXXXX
 07/27/2026     No 1 C A C A   CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28868077 37075340     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $79.03 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-27): XXXXX
   07/27/2026   No 1   A   A   CA Primary Refinance - Cash-out - Other Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22741367 37002251     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  $100.00 over legal limit.  Insufficient or no cure was provided to the borrower. Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $100.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22741367 37002252     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  $250.00 over legal limit.  Insufficient or no cure was provided to the borrower. Home Inspection Fee was last disclosed as $0.00 on LE but disclosed as $250.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22741367 37002366     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX).  The disclosed Total of Payments in the amount of $2,380,368.80 is under disclosed by $249.93 compared to the calculated total of payments of $2,380,618.73 which exceeds the $100.00 threshold. Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $2,380,368.80 is under disclosed by $249.93 compared to the calculated total of payments of $2,380,618.73 which exceeds the $100.00 threshold.       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
   07/22/2026   No 2 C B C B   CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21975158 36856239     Compliance Compliance Federal Compliance TRID Defect TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. The file was missing a copy of the date issue on the Closing Disclosure dated XX/XX/XX.       Reviewer Comment (2026-07-07): XXXXX


Seller Comment (2026-07-06): XXXXX
 07/07/2026     No 1 C A C A   NV Primary Purchase Good Faith Redisclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27502782 37032867     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees XXXXX Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.18503% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $38,441.75 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,233.23 or .18503%). XXXXX Points and Fees exceed allowable threshold by $2,233.23 or .18503%.       Reviewer Comment (2026-07-27): XXXXX


Seller Comment (2026-07-27): XXXXX
 07/27/2026     No 1 C A C A   WA Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27502782 37032868     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,039.50 exceeds tolerance of $1,039.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $1,039.00 on Initial Closing Disclosure but disclosed as $1,039.50 on Final Closing Disclosure. Sufficient cure was provided at closing.       Reviewer Comment (2026-07-21): XXXXX
   07/21/2026   No 1 A A A A   WA Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27502782 37032879     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-27): XXXXX


Seller Comment (2026-07-27): XXXXX
 07/27/2026     No 1 B A C A   WA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28612726 36903224     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $165.75 exceeds tolerance of $0.00.  $165.75 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was  last disclosed as $0.00 on LE but disclosed as $165.75 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $165.75, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-16): XXXXX


Seller Comment (2026-07-15): XXXXX
 07/16/2026     No 1 C A C A   NH Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24468267 36849774     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/02/2026 No 2 B B B B   AR Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24468267 36849792     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Right of Rescission Disclosure is missing from file.       Reviewer Comment (2026-07-21): XXXXX


Seller Comment (2026-07-16): XXXXX


Reviewer Comment (2026-07-09): XXXXX


Seller Comment (2026-07-07): XXXXX
 07/21/2026     No 1 C A C A   AR Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21561418 36978195     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was  last disclosed as $735.00 on LE but disclosed as $0.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $119.70.       Reviewer Comment (2026-07-15): XXXXX
   07/15/2026   No 1 A A A A   CO Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21561418 36978196     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $167.00 exceeds tolerance of $140.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance was last disclosed as $167 on LE but disclosed as $140.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $119.70.       Reviewer Comment (2026-07-15): XXXXX
   07/15/2026   No 1 A A A A   CO Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21561418 36978204     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/17/2026 No 2 B B B B   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36777140     Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             06/24/2026 No 2 B B B B   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36777141     Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             06/24/2026 No 2 B B B B   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36777143     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $447.20 exceeds tolerance of $395.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $447.20 exceeds tolerance of $395.00. Sufficient cure was provided to the borrower at Closing.       Reviewer Comment (2026-06-22): XXXXX
   06/22/2026   No 1 A A A A   PA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25507600 36777155     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Tax certificate and Insurance document was missing for the property address XXXXX.       Reviewer Comment (2026-06-26): XXXXX


Seller Comment (2026-06-26): XXXXX
 06/26/2026     No 1 C A C A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36834088     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Risk Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Seller Comment (2026-07-10): XXXXX


Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-09): XXXXX
 07/10/2026     No 1   A   A   PA Primary Purchase Lender to provide updated ATR/QM Loan Designation Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25507600 36834089     Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.67185% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Seller Comment (2026-07-10): XXXXX


Reviewer Comment (2026-07-10): XXXXX


Buyer Comment (2026-07-02): XXXXX


Reviewer Comment (2026-07-01): XXXXX


Seller Comment (2026-06-30): XXXXX
 07/10/2026     No 1   A   A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36834093     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of 50.67185% exceeds Guideline total debt ratio of 50%, due to the total monthly payment of REO #XXXXX.       Seller Comment (2026-07-10): XXXXX


Reviewer Comment (2026-07-10): XXXXX


Buyer Comment (2026-07-02): XXXXX


Reviewer Comment (2026-07-01): XXXXX


Reviewer Comment (2026-06-30): XXXXX


Seller Comment (2026-06-30): XXXXX
 07/10/2026     No 1   A   A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36854738     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General Ability to Repay Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-10): XXXXX


Seller Comment (2026-07-10): XXXXX
 07/10/2026     No 1   A   A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36969833     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             07/14/2026 No 2   B   B   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25507600 36969834     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.             07/14/2026 No 2   B   B   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27708098 37012441     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/21/2026 No 2 B B B B   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25601471 36939123     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/14/2026 No 2 B B B B   NC Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25601471 36939172     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-16): XXXXX


Seller Comment (2026-07-15): XXXXX
 07/16/2026     No 1 B A C A   NC Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25601471 36939173     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees XXXXX Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.78853% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $55,790.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $11,611.91 or .78853%). XXXXX Points and Fees exceed allowable threshold by $11,611.91 or .78853%.       Reviewer Comment (2026-07-16): XXXXX


Seller Comment (2026-07-15): XXXXX
 07/16/2026     No 1 C A C A   NC Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25601471 36939174     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-10): XXXXX
   07/10/2026   No 1 A A A A   NC Primary Refinance - Cash-out - Other Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27427620 37011733     Credit Documents Missing Document Documents File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. - File does not contain documentation from lender/seller confirming the condo/co-op is warrantable.       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27427620 37011821     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Earlier proof of receipt not provided       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27427620 37011844     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $185.00 plus 10% or $203.50.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-17): XXXXX
   07/17/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27427620 37011845     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-17): XXXXX
   07/17/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27427620 37013924     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Verified liquid assets in the amount of $249,095.55 are insufficient to meet cash to close of $283,294.33. Final 1008 reflects $289,595.55 verified, however, proof of receipt and/or source of funds for Earnest Money $40,500.00 not provided.       Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27649629 36904624     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file is missing a copy of AUS.       Reviewer Comment (2026-07-17): XXXXX


Reviewer Comment (2026-07-15): XXXXX


Reviewer Comment (2026-07-14): XXXXX
 07/17/2026     No 1 C A C A   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27649629 36904652     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.             07/10/2026 No 2 B B B B   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27591685 37044066     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/24/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21672599 36970599     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26472654 37006591     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/17/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26299287 37012584     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $4,986.65 exceeds tolerance of $0.00.  $4,986.65 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points were not disclosed on the Loan Estimate. The file does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $4,986.65, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX
 07/23/2026     No 1 C A C A   CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26299287 37012585     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $90.00 exceeds tolerance of $0.00.  $90.00 over legal limit.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance was exceeded for the Appraisal Desk Review Fee. The fee amount of $90.00 exceeds the tolerance of $0.00. $90.00 is over the legal limit. Sufficient cure was provided to the borrower at closing.       Reviewer Comment (2026-07-24): XXXXX


Seller Comment (2026-07-23): XXXXX


Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX
 07/24/2026     No 1 C A C A   CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26299287 37049630     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2026-07-23): XXXXX
   07/23/2026   No 1   A   A   CA Primary Refinance - Rate/Term Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25943409 37011358     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/21/2026 No 2 B B B B   FL Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25943409 37012966     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.       Reviewer Comment (2026-07-27): XXXXX


Seller Comment (2026-07-24): XXXXX
   07/27/2026   No 2 C B C B   FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26284340 36939895     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/14/2026 No 2 B B B B   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20510732 36999643     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS Document.       Reviewer Comment (2026-07-22): XXXXX


Reviewer Comment (2026-07-21): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/22/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20510732 36999653     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/20/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26481023 36978810     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $9,440.00 exceeds tolerance of $0.00.  $9,440.00 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $9,440.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $9,440.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-21): XXXXX


Seller Comment (2026-07-20): XXXXX
 07/21/2026     No 1 C A C A   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26481023 36978811     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $665.00.  $335.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $665.00 on LE but disclosed as $1,000.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $335.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX


Reviewer Comment (2026-07-22): XXXXX


Seller Comment (2026-07-21): XXXXX
 07/23/2026     No 1 C A C A   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26481023 36978812     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  $175.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $175.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $175.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-21): XXXXX
 07/21/2026     No 1 C A C A   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26481023 36978814     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent and Other).  Fee Amount of $1,500.00 exceeds tolerance of $0.00.  $1,500.00 over legal limit.  Insufficient or no cure was provided to the borrower. Title - Attorney's Fee was last disclosed as $0.00 on LE but disclosed as $1,500.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $1,500.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-21): XXXXX
 07/21/2026     No 1 C A C A   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26481023 36978832     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. The file is missing the XXXXX personal and business tax returns. Evidence of extension not provided in file.  The file contained a copy of the XXXXX and XXXXX 1040's and business returns.             07/17/2026 No 2 B B B B   NC Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26481023 36979120     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. The file was missing a copy of the Seller CD.       Reviewer Comment (2026-07-21): XXXXX


Seller Comment (2026-07-20): XXXXX
 07/21/2026     No 1 C A C A   NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21889950 36973886     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/16/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21889950 36973897     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.   The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX.  Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation.       Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-23): XXXXX
 07/23/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27071135 36904595     Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within a reasonably practicable time after using credit score.             07/10/2026 No 2 B B B B   WA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27071135 36904597     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $12,432.00 exceeds tolerance of $0.00.  $12,432.00 over legal limit.  Insufficient or no cure was provided to the borrower. Loan originator compensation fee was disclosed as $0.00 on LE but disclosed as $12,432.00 in Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $12,432.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2026-07-15): XXXXX


Seller Comment (2026-07-13): XXXXX
 07/15/2026     No 1 C A C A   WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20924823 37030279     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.   The Hazard Insurance Policy Effective Date is after the note or transaction date.       Reviewer Comment (2026-07-28): XXXXX


Seller Comment (2026-07-28): XXXXX
 07/28/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20924823 37030281     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/23/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23955194 36912926     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 Preliminary title document does not state the coverage amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/10/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28348086 36998953     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $266.36 exceeds tolerance of $130.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $266.36 exceeds tolerance of $130.00. Sufficient cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-16): XXXXX
   07/16/2026   No 1 A A A A   TX Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28348086 36998971     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Other not provided   File is missing Rider - Renewal and Extension.       Reviewer Comment (2026-07-22): XXXXX
 07/22/2026     No 1 C A C A   TX Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25677239 37013124     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided           Reviewer Comment (2026-07-23): XXXXX


Seller Comment (2026-07-22): XXXXX
 07/23/2026     No 1 D A D A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25091924 36998267     Credit Title Document Error Title The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___;
State: ___		 The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/20/2026 No 2 B B B B   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20530182 36999456     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $705.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal fee was last disclosed as $695.00 on LE but disclosed as $705.00 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing.       Reviewer Comment (2026-07-16): XXXXX
   07/16/2026   No 1 A A A A   VA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20530182 36999457     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $117.66 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit report fee was last disclosed as $100.00 on LE but disclosed as $117.66 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing.       Reviewer Comment (2026-07-16): XXXXX
   07/16/2026   No 1 A A A A   VA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27127343 37045087     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Final Title Policy will be provided as a trailing document. Final Title Policy will be provided as a trailing document SitusAMC,Aggregator Reviewer Comment (2026-08-14): XXXXX
     07/24/2026 No 2 B B B B   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28628975 37274904     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Loan Estimate is not within 3 days from initial application date.       Reviewer Comment (2026-06-11): XXXXX


Buyer Comment (2026-06-10): XXXXX


Reviewer Comment (2026-06-09): XXXXX


Buyer Comment (2026-06-05): XXXXX
 06/11/2026     No 1 C A C A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28628975 37274906     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $925.00 exceeds tolerance of $750.00.  $175.00 over legal limit.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $925.00 is charged on Final Closing Disclosure, however, Loan Estimate charged as $750.00. $175.00 over legal limit. There is no cure amount or cure letter in file.       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-12): XXXXX


Reviewer Comment (2026-06-08): XXXXX


Buyer Comment (2026-06-05): XXXXX
   06/16/2026   No 2 C B C B   MA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28628975 37274907     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $463.00 exceeds tolerance of $319.00.  $144.00 over legal limit.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $463.00 is charged on Final Closing Disclosure, however, Loan Estimate charged as $319.00. $144.00 over legal limit. There is no cure amount or cure letter in file.       Reviewer Comment (2026-06-08): XXXXX
   06/08/2026   No 1 C B C B   MA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28628975 37274908     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $795.00 exceeds tolerance of $100.00.  $695.00 over legal limit.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee amount of $795.00 is charged on Final Closing Disclosure, however, Loan Estimate charged as $100.00. $695.00 over legal limit. There is no cure amount or cure letter in file.       Reviewer Comment (2026-06-08): XXXXX


Buyer Comment (2026-06-05): XXXXX
 06/08/2026     No 1 C A C A   MA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28628975 37274909     Credit Credit Credit Documentation Guideline Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   File is missing the most recent 12 month rent payment history for the co-borrower.       Reviewer Comment (2026-06-11): XXXXX


Buyer Comment (2026-06-10): XXXXX


Reviewer Comment (2026-06-09): XXXXX


Buyer Comment (2026-06-05): XXXXX
 06/11/2026     No 1 C A C A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24891051 37274912     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  $120.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Review Fee of $120.00 was not disclosed on the initial LE. No valid change of circumstance or cure provided.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
   06/15/2026   No 2 C B C B   WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22722882 37274915     Credit Credit Credit Documentation Guideline Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Documentation to verify a 12-month housing history is not located in the file.       Reviewer Comment (2026-06-12): XXXXX


Buyer Comment (2026-06-10): XXXXX
 06/12/2026     No 1 C A C A   TX Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21643513 37274922     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file is missing a copy of the Insurance Verification for property XXXXX.       Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/18/2026     No 1 C A C A   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21643513 37274924     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $7,287.26 exceeds tolerance of $0.00.  $7,287.26 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points fee of $7,287.26 not disclosed to borrower until final Closing Disclosure. No valid change in circumstance or cure provided.       Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/17/2026     No 1 C A C A   FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21643513 37274925     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $6,846.30 exceeds tolerance of $6,753.00.  $93.30 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax fee was last disclosed as $6,753.00 on LE but disclosed as $6,846.30 on Final closing disclosure, no cure or valid change of circumstance was provided to borrower.       Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/17/2026     No 1 C A C A   FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21643513 37274926     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $6,846.30 exceeds tolerance of $6,753.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure provided at closing       Reviewer Comment (2026-06-17): XXXXX
   06/17/2026   No 1   A   A   FL Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21200063 37274929     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The mortgage statement for XXXXX is missing.       Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/25/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21200063 37274930     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Waterfall due to missing REO documents.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/30/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21200063 37274931     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Waterfall due to missing REO documents.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/30/2026     No 1 B A C A   NY Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21200063 37274932     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Waterfall due to missing REO documents.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/30/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21200063 37274933     Compliance Compliance Federal Compliance ATR/QM Defect Income/Asset Guideline Deficiency - QM Impact General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.) Waterfall due to missing REO documents.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/30/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21200063 37274935     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The hazard insurance premium verification for XXXXX is missing.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/30/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21200063 37274936     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing.   The tax verification for XXXXX is missing.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/30/2026     No 1 C A C A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21200063 37274938     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Documentation to verifiy HOA expense is not located in the file.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX
 06/30/2026     No 1   A   A   NY Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23572802 37274941     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. Non-Escrowed Property Costs over Year 1 not provided on final CD.       Reviewer Comment (2026-07-08): XXXXX


Buyer Comment (2026-07-06): XXXXX


Reviewer Comment (2026-07-02): XXXXX


Buyer Comment (2026-07-01): XXXXX
   07/08/2026   No 2 C B C B   FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23572802 37274942     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,649.68 exceeds tolerance of $3,248.00.  $401.68 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax was disclosed as $3,248.00 on initial LE and as $3,649.00 on final CD. No valid change in circumstance or cure for borrower provided.       Reviewer Comment (2026-07-01): XXXXX


Buyer Comment (2026-06-29): XXXXX
 07/01/2026     No 1 C A C A   FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23572802 37274943     Credit Credit Miscellaneous Guideline Credit Exception:   File is missing a signed/dated close out letter for the Heloc paid at closing.       Reviewer Comment (2026-07-01): XXXXX


Buyer Comment (2026-06-29): XXXXX
 07/01/2026     No 1 C A C A   FL Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23572802 37274944     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,649.68 exceeds tolerance of $3,636.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-01): XXXXX
   07/01/2026   No 1   A   A   FL Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24156498 37274947     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - 1-month consecutive bank statement is required.       Reviewer Comment (2026-06-26): XXXXX


Buyer Comment (2026-06-25): XXXXX
 06/26/2026     No 1 C A C A   NJ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24156498 37274948     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Waterfall due to asset requirement not met, requires 2 months bank statement of XXXXX 401K plan account.       Reviewer Comment (2026-06-26): XXXXX


Buyer Comment (2026-06-25): XXXXX
 06/26/2026     No 1 B A C A   NJ Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24156498 37274949     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Waterfall due to asset requirement not met, requires 2 months bank statement of XXXXX 401K plan account.       Reviewer Comment (2026-06-26): XXXXX


Buyer Comment (2026-06-25): XXXXX
 06/26/2026     No 1 C A C A   NJ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27476314 37274955     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $240.00 exceeds tolerance of $120.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-26): XXXXX
   06/26/2026   No 1   A   A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28922336 37274961     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Require closing statement, HUD or seller Closing Disclosure for property XXXXX to utilize proceeds for closing.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 C A C A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28922336 37274962     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: Qualifying asset balance discrepancy.   Require closing statement, HUD or seller Closing Disclosure for property XXXXX to utilize proceeds for closing.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 C A C A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28922336 37274963     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Borrower has insufficient assets for the required reserves of 3 months per guidelines.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 C A C A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28922336 37274964     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Failure due to insufficient reserves and funds to close.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 B A C A   PA Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28922336 37274965     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Failure due to insufficient reserves and funds to close.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 C A C A   PA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24271061 37274971     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal fee amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 1 A A A A   MN Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24271061 37274972     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,368.20 exceeds tolerance of $1,361.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer tax fee Amount of $1,368.20 exceeds tolerance of $1,361.00. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 1 A A A A   MN Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20792732 37274974     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second appraisal fee amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20792732 37274975     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal re-inspection fee amount of $200.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at closing.       Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23496351 37274982     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-02): XXXXX
   07/02/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28348938 37274984     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 C A C A   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28348938 37274986     Credit Disclosure Missing Document Disclosure E-sign Consent Agreement is missing. - E-sign Consent Agreement is missing in file.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 C A C A   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28348938 37274988     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $650.00 exceeds tolerance of $0.00.  $650.00 over legal limit.  Insufficient or no cure was provided to the borrower. Survey Fee was not disclosed on LE but disclosed as $650.00 on Final closing disclosure. No cure or valid change of circumstance was provided to borrower.       Reviewer Comment (2026-07-15): XXXXX


Buyer Comment (2026-07-13): XXXXX
 07/15/2026     No 1 C A C A   CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28121946 37274993     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  $120.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Review Fee $120.00 was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.       Reviewer Comment (2026-07-20): XXXXX


Buyer Comment (2026-07-16): XXXXX


Reviewer Comment (2026-07-16): XXXXX


Buyer Comment (2026-07-14): XXXXX
 07/20/2026     No 1 C A C A   MN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 28121946 37274994     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,362.50 exceeds tolerance of $1,955.00.  $407.50 over legal limit.  Insufficient or no cure was provided to the borrower. Transfer Tax was  last disclosed as $1,955.00 but disclosed as $2,362.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file       Reviewer Comment (2026-07-20): XXXXX


Buyer Comment (2026-07-16): XXXXX


Reviewer Comment (2026-07-16): XXXXX


Buyer Comment (2026-07-14): XXXXX
 07/20/2026     No 1 C A C A   MN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27339837 37275002     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Waterfall due to missing asset documentation.       Reviewer Comment (2026-07-23): XXXXX


Buyer Comment (2026-07-21): XXXXX


Reviewer Comment (2026-07-21): XXXXX


Buyer Comment (2026-07-17): XXXXX
 07/23/2026     No 1 B A C A   CA Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27339837 37275003     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. AUS rXXXXX statement was located in the file.       Reviewer Comment (2026-07-23): XXXXX


Buyer Comment (2026-07-21): XXXXX


Reviewer Comment (2026-07-21): XXXXX


Buyer Comment (2026-07-17): XXXXX
 07/23/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27339837 37275004     Compliance Compliance Federal Compliance ATR/QM Defect Income/Asset Guideline Deficiency - QM Impact General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.) AUS rXXXXX statement was located in the file.       Reviewer Comment (2026-07-23): XXXXX


Buyer Comment (2026-07-21): XXXXX


Reviewer Comment (2026-07-21): XXXXX


Buyer Comment (2026-07-17): XXXXX
 07/23/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27339837 37275005     Credit Asset Asset Documentation Asset Asset documentation requirements not met.   AUS rXXXXX statement was located in the file.       Reviewer Comment (2026-07-23): XXXXX


Buyer Comment (2026-07-21): XXXXX


Reviewer Comment (2026-07-21): XXXXX


Buyer Comment (2026-07-17): XXXXX
 07/23/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26715315 37275008     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $18,850.00 exceeds tolerance of $13,000.00.  $5,850.00 over legal limit.  Insufficient or no cure was provided to the borrower. The Loan Discount Points Fee of $18,850.00 exceeded the allowable tolerance of $13,000.00 by $5,850.00, resulting in an amount over the legal limit. No cure was provided to the borrower for the excess amount.       Reviewer Comment (2026-07-24): XXXXX


Buyer Comment (2026-07-23): XXXXX
 07/24/2026     No 1 C A C A   CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25971624 37275011     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  $120.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal Review Fee $120.00 was not disclosed on initial LE but disclosed as $120.00 on Final Closing Disclosure.  Sufficient or excess cure was not provided to the borrower at Closing.       Reviewer Comment (2026-07-30): XXXXX


Buyer Comment (2026-07-29): XXXXX


Reviewer Comment (2026-07-24): XXXXX


Buyer Comment (2026-07-23): XXXXX
 07/30/2026     No 1 C A C A   NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22536553 37275250     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $2,133,936.14 is under disclosed by $200.00 compared to the calculated Finance Charge of $2,134,136.14 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). Mobile signer fee $200 disclosed on final CD not included. .       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-09): XXXXX


Reviewer Comment (2026-04-20): XXXXX


Buyer Comment (2026-04-17): XXXXX
 06/10/2026     No 1 C A C A   NV Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22536553 37275251     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Amount Financed Test TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $2,160,000.00 is over disclosed by $200.00 compared to the calculated Amount Financed of $2,159,800.00 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). Mobile signer fee $200 disclosed on final CD not included. .       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-09): XXXXX


Reviewer Comment (2026-04-20): XXXXX


Buyer Comment (2026-04-17): XXXXX
 06/10/2026     No 1 C A C A   NV Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22536553 37275252     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $368.00 exceeds tolerance of $126.00 plus 10% or $138.60.  $229.40 over legal limit.  Insufficient or no cure was provided to the borrower. No valid COC provided for Ten Percent Fee Tolerance exceeded. Total amount of $368.00 exceeds tolerance of $126.00 plus 10% or $138.60. $229.40 over legal limit. Insufficient or no cure was provided to the borrower.       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-09): XXXXX


Reviewer Comment (2026-04-19): XXXXX


Buyer Comment (2026-04-17): XXXXX
 06/10/2026     No 1 C A C A   NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22536553 37275254     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Income was not validated by AUS.  Borrower qualified using average monthly income + 2 year Commission income.  Borrower provided XXXXX and XXXXX 1040 Tax Transcripts but we are missing XXXXX. XXXXX income was used to qualify.       Reviewer Comment (2026-05-18): XXXXX


Buyer Comment (2026-05-14): XXXXX
 05/18/2026     No 1 C A C A   NV Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22536553 37275255     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to QM Risk.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-05-18): XXXXX


Buyer Comment (2026-05-14): XXXXX
 05/18/2026     No 1 B A C A   NV Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22536553 37275256     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-05-18): XXXXX


Buyer Comment (2026-05-14): XXXXX
 05/18/2026     No 1 C A C A   NV Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26224149 37275258     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. Seller paid all fees on Final Closing Disclosure.       Reviewer Comment (2026-04-14): XXXXX
 04/14/2026     No 1 B A B A   CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26224149 37275261     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ The XXXXX W2 was required and provided, Provide W2 transcripts or no results found.       Reviewer Comment (2026-06-02): XXXXX


Buyer Comment (2026-06-02): XXXXX
 06/02/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26224149 37275262     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-02): XXXXX
 06/02/2026     No 1 B A C A   CA Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26224149 37275263     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-02): XXXXX
 06/02/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27700591 37275266     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   Taxes considered by lender is $XXXXX/Month or $XXXXX/Annually. However, supporting document not received for this amount. Need tax certificate showing taxes as $XXXXX/Month or $XXXXX/Annually.       Reviewer Comment (2026-05-04): XXXXX


Buyer Comment (2026-04-30): XXXXX
 05/04/2026     No 1 C A C A   NV Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27700591 37275268     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ AUS did not validate income.  Borrower qualified using average monthly wage income and 1 year + YTD Bonus income. Borrower provided XXXXX W-2 so the XXXXX W2 Transcripts are required or no results.  XXXXX and XXXXX 1040 Transcripts were provided.       Reviewer Comment (2026-06-02): XXXXX


Buyer Comment (2026-06-02): XXXXX
 06/02/2026     No 1 C A C A   NV Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27700591 37275269     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-02): XXXXX
 06/02/2026     No 1 B A C A   NV Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27700591 37275270     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-02): XXXXX
 06/02/2026     No 1 C A C A   NV Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24541898 37275273     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Lender Exception(s) not provided   AUS in file #XXXXX and #XXXXX risk eligibility. AUS must be for excessive loan amount only.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-04): XXXXX
 06/04/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275275     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - Missing W2 wage transcript or tax transcript for year XXXXX.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275276     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - Missing W2 wage transcript or tax transcript for year XXXXX.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275277     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $84.00 exceeds tolerance of $71.00.  $13.00 over legal limit.  Insufficient or no cure was provided to the borrower. Tax Service Fee (Life of Loan) on Loan Estimate was $71.00 and on final Closing Disclosure it's $84.00. No valid Change of Circumstance or cure provided.       Reviewer Comment (2026-06-02): XXXXX


Buyer Comment (2026-06-01): XXXXX


Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
   06/02/2026   No 2 C B C B   UT Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25180345 37275278     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   Provide lender estimate of property taxes for subject, Loan escrowed and new construction.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275280     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Tax certificate and Insurance verification for XXXXX not provided.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275281     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2026-06-01): XXXXX
 06/01/2026     No 1 A A A A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275282     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The Preliminary Title Report in file disclosed $XXXXX of title insurance coverage; however, this is less than the loan amount of $XXXXX. Provide a copy of the title policy or a supplemental title report verifying title insurance of at least the loan amount. Missing Closing/Escrow instructions.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 B A B A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25180345 37275283     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to Qualified Mortgage failure. This exception will be cleared once all Qualified Mortgage specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 B A C A   UT Primary Refinance - Rate/Term Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25180345 37275284     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Qualified Mortgage failure due to insufficient income documentation. This exception will be cleared once all Qualified Mortgage specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23365322 37275285     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. File contains evidence that the appraisal report provided is an updated report. Delivery confirmations are dated earlier than the report date of the report located in the file. Lender to provide all previous appraisal reports/updates.       Buyer Comment (2026-06-03): XXXXX


Reviewer Comment (2026-06-03): XXXXX


Buyer Comment (2026-06-02): XXXXX
     06/03/2026 No 2 B B B B   WI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23365322 37275289     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - The borrower's income is derived from an S-Corporation with 100% ownership and over 9 years in the current line of work. While personal tax transcripts for XXXXX are present in the file, the AUS findings are missing. Please provide the AUS documentation to determine the required number of years of tax transcripts needed for income validation.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 C A C A   WI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23365322 37275290     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS was not provided in the file.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 C A C A   WI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23365322 37275291     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failed due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 B A C A   WI Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23365322 37275292     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. QM failed due to insufficient income and asset documentation. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 C A C A   WI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23365322 37275293     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Tax discrepancy noted: Property taxes on the Final CD, Title Report, and First Payment Letter reflect $XXXXX annually or XXXXX cents monthly, (new construction), whereas the Final 1003/1008 and Tax Certificate reflect $XXXXX monthly ($XXXXX annually). Borrower waiver for escrow lower than known future increase was not provided.       Reviewer Comment (2026-07-06): XXXXX


Buyer Comment (2026-07-01): XXXXX


Reviewer Comment (2026-06-26): XXXXX


Buyer Comment (2026-06-24): XXXXX


Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-15): XXXXX


Reviewer Comment (2026-06-05): XXXXX


Buyer Comment (2026-06-03): XXXXX


Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 07/06/2026     No 1 B A B A   WI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26286093 37275296     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge Test TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $428,868.90 is under disclosed by $225.11 compared to the calculated Finance Charge of $429,094.01 which exceeds the $100.00 threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX). Amount Financed disclosed is $304,456.89. Calculated Amount Financed is $304,231.89. Variance of $225.00. Finance Charge disclosed is $428,868.90. Calculated finance charge is $429,094.01. Variance of -$225.11.       Reviewer Comment (2026-06-19): XXXXX


Buyer Comment (2026-06-18): XXXXX


Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-17): XXXXX


Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-12): XXXXX


Reviewer Comment (2026-06-11): XXXXX


Buyer Comment (2026-06-10): XXXXX


Reviewer Comment (2026-06-08): XXXXX


Buyer Comment (2026-06-05): XXXXX


Reviewer Comment (2026-06-03): XXXXX


Buyer Comment (2026-06-02): XXXXX


Reviewer Comment (2026-06-02): XXXXX


Buyer Comment (2026-06-01): XXXXX


Reviewer Comment (2026-05-29): XXXXX


Buyer Comment (2026-05-29): XXXXX


Buyer Comment (2026-05-28): XXXXX
   06/19/2026   No 2 C B C B   AL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26286093 37275297     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates.       Reviewer Comment (2026-05-26): XXXXX


Buyer Comment (2026-05-26): XXXXX
     05/26/2026 No 2 B B B B   AL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26286093 37275298     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $140.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Cured at closing       Reviewer Comment (2026-05-21): XXXXX
   05/21/2026   No 1 A A A A   AL Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25897688 37275299     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Missing initial CD to match CD received e-consent XX/XX/XX       Reviewer Comment (2026-05-19): XXXXX


Buyer Comment (2026-05-18): XXXXX
 05/19/2026     No 1 C A C A   NC Primary Purchase No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25897688 37275300     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-10,237.44 exceeds tolerance of $-11,981.00. Insufficient or no cure was provided to the borrower. Lender Credits Fee was last disclosed as $-11.981.00 on Loan Estimate but disclosed as $-10,237.44 on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file.       Reviewer Comment (2026-05-21): XXXXX


Buyer Comment (2026-05-20): XXXXX


Reviewer Comment (2026-05-19): XXXXX


Buyer Comment (2026-05-18): XXXXX
 05/21/2026     No 1 C A C A   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25897688 37275304     Credit System General Appraisal Reconciliation Valuation address does not match Note address. - Assessor's Parcel Number and Legal Description match. CDA reflects city of XXXXX and title reflects XXXXX No XXXXX address search in file.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-12): XXXXX


Reviewer Comment (2026-06-08): XXXXX


Buyer Comment (2026-06-05): XXXXX
 06/15/2026     No 1 C A C A   NC Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29376750 37275308     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $96.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Cured at closing       Reviewer Comment (2026-06-17): XXXXX
   06/17/2026   No 1 A A A A   MA Second Home Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24054136 37275317     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.       Buyer Comment (2026-06-01): XXXXX
     06/01/2026 No 2 B B B B   CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24127025 37275322     Credit Loan Package Documentation Application / Processing Insurance Missing Document: Flood Certificate not provided   Require Flood Certificate document as it is missing in file.       Reviewer Comment (2026-05-28): XXXXX


Buyer Comment (2026-05-27): XXXXX
 05/28/2026     No 1 C A C A   CO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24127025 37275323     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. On Final Closing Disclosure Document Doc Id XXXX on page 4 under 'Escrow Account', it is selected as 'Will not have an escrow account because', however, the reason is not checked or selected.       Reviewer Comment (2026-06-02): XXXXX


Buyer Comment (2026-06-01): XXXXX


Reviewer Comment (2026-05-28): XXXXX


Buyer Comment (2026-05-27): XXXXX
   06/02/2026   No 2 C B C B   CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20464498 37275328     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. File contains evidence that the appraisal report provided is an updated report. Delivery confirmations are dated earlier than the report date of the report located in the file. Lender is to provide all previous appraisal reports/updates.       Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-15): XXXXX
 06/17/2026     No 1 B A B A   MO Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20464498 37275329     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-19): XXXXX


Buyer Comment (2026-06-17): XXXXX
 06/19/2026     No 1 B A C A   MO Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 20464498 37275331     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - 4506-C was provided but does not reflect years of transcripts being requested.       Reviewer Comment (2026-06-19): XXXXX


Buyer Comment (2026-06-17): XXXXX
 06/19/2026     No 1 C A C A   MO Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 20464498 37275333     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.         Reviewer Comment (2026-06-19): XXXXX


Buyer Comment (2026-06-17): XXXXX
 06/19/2026     No 1 C A C A   MO Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26901685 37275335     Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.       Reviewer Comment (2026-06-22): XXXXX


Buyer Comment (2026-06-18): XXXXX
 06/22/2026     No 1 B A B A   NV Primary Purchase If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.
If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required.		 Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 26901685 37275336     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. Final Closing Disclosure provided on XX/XX/XX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.       Buyer Comment (2026-06-18): XXXXX
     06/18/2026 Yes 2 C B C B   NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27584928 37275340     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - As per AUS, W-2 considered prior year. Therefore, provide Tax Transcripts / W-2 Wage and Income transcripts for XXXXX. If not available, provide a copy of 'No result found'.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27584928 37275341     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - As per AUS, W-2 considered for most recent two-year period. Therefore, provide Tax Transcripts / W-2 Wage and Income transcripts for XXXXX and XXXXX.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27584928 37275342     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower within three days of closing, but proof of delivery was not provided. A waiver was not provided.       Reviewer Comment (2026-05-29): XXXXX


Buyer Comment (2026-05-28): XXXXX
 05/29/2026     No 1 B A B A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27584928 37275343     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 B A C A   TN Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27584928 37275344     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. QM failure due to Tax Transcripts exception. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-04): XXXXX


Buyer Comment (2026-06-03): XXXXX
 06/04/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27584928 37275345     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $585.00.  $165.00 over legal limit.  Insufficient or no cure was provided to the borrower. Appraisal fee was disclosed as $585.00 on the Initial Loan Estimate and $750.00 on the Final Closing Disclosure. No evidence of cure and no valid Change of Circumstance was provided in the file.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-28): XXXXX
 06/01/2026     No 1 C A C A   TN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27584928 37275346     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing proof of sale with a HUD-1 or Closing Disclosure. Obligation omitted from DTI.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27584928 37275347     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. E-sign consent is dated XX/XX/XX, the same day as closing.       Reviewer Comment (2026-06-01): XXXXX


Buyer Comment (2026-05-29): XXXXX
 06/01/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23323708 37275350     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $4,525.00 exceeds tolerance of $0.00.  $4,525.00 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was disclosed as $0.00 on initial Loan Estimate and $4,525.00 on Final Closing Disclosure. No valid Change of Circumstance provided in file. Evidence of cure not provided in file.       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-15): XXXXX
 06/16/2026     No 1 C A C A   NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23323708 37275351     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge Test TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,252,969.96 is under disclosed by $175.00 compared to the calculated Finance Charge of $1,253,144.96 which exceeds the $100.00 threshold.  Disclosed Amount Financed on page 5 is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX). Finance Charge disclosed is $1,252,969.96. Calculated Finance Charge is $1,253,144.96. Variance of $-175.00.       Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-16): XXXXX
   06/17/2026   No 2 C B C B   NJ Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23323708 37275354     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Taxes and Insurance considered.Verification of other amount per 1003 of $1,028.25 required.       Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX


Reviewer Comment (2026-06-12): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/18/2026     No 1 C A C A   NJ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26238735 37275356     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided           Reviewer Comment (2026-07-17): XXXXX


Buyer Comment (2026-07-16): XXXXX
 07/17/2026     No 1 D A D A   MT Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26238735 37275357     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $75.00 exceeds tolerance of $60.00.  $15.00 over legal limit.  Insufficient or no cure was provided to the borrower. Title - Endorsement Fee was disclosed as $60.00 on initial Loan Estimate and $75.00 on Final Closing Disclosure. No valid Change of Circumstance provided in file. Evidence of cure not provided in file.       Reviewer Comment (2026-07-16): XXXXX


Buyer Comment (2026-07-15): XXXXX
 07/16/2026     No 1 C A C A   MT Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24637957 37275360     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ The lease agreement is missing for REO property located at XXXXX.       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/16/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275361     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - Two months' most recent bank statements are required for XXXXX/Account Number: #XXXXX as per AUS requirements.       Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/25/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275363     Credit Credit Credit Documentation Guideline Missing Document: Asset not provided   Require CPA letter stating funds withdrawal from the business accounts #XXXXX, #XXXXX, and #XXXXX will not negatively impact the business.       Reviewer Comment (2026-07-08): XXXXX


Buyer Comment (2026-07-06): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 07/08/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275367     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-14): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX


Reviewer Comment (2026-07-08): XXXXX


Buyer Comment (2026-07-06): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-25): XXXXX
 07/14/2026     No 1 B A C A   AZ Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24637957 37275368     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. Lease agreement is missing for REO property XXXXX.       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/16/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275370     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification(s) of employment is not within 10 business days of the Note. VOE provided is dated XX/XX/XX.       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/16/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275371     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Tax Return Extension (XXXXX) is missing for XXXXX.       Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/25/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275373     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. ATR failure due to insufficient income and asset documentation.       Reviewer Comment (2026-07-08): XXXXX


Buyer Comment (2026-07-06): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-25): XXXXX
 07/08/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275376     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing Mortgage Statement to verify monthly taxes and insurance are included in the payment.       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/16/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275377     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $105.00 exceeds tolerance of $84.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-10): XXXXX
   06/10/2026   No 1 A A A A   AZ Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24637957 37275378     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing 4506-c for For XXXXX       Reviewer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-12): XXXXX
 06/16/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275379     Credit Missing Document General Missing Document Missing Document: Tax Return Extension (for Business) not provided   Missing XXXXX for XXXXX
Missing XXXXX for XXXXX
Missing XXXXX for XXXXX
Missing XXXXX for XXXXX		       Reviewer Comment (2026-07-07): XXXXX


Buyer Comment (2026-07-02): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-25): XXXXX
 07/07/2026     No 1 C A C A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275380     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. XXXXX LLC - Received New Exception due to updated unsigned 1065 document for the year XXXXX - Received unsigned 1065 document for the year XXXXX, hence require Signed 1065 document for the year XXXXX.       Reviewer Comment (2026-07-14): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/14/2026     No 1   A   A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275381     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. XXXXX- Received New Exception due to updated unsigned 1065 document for the year XXXXX - Received unsigned 1065 document for the year XXXXX, hence require Signed 1065 document for the year XXXXX.       Reviewer Comment (2026-07-14): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/14/2026     No 1   A   A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275382     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. XXXXX - Received New Exception due to updated unsigned 1065 document for the year XXXXX - Received unsigned 1065 document for the year XXXXX, hence require Signed 1065 document for the year XXXXX.       Reviewer Comment (2026-07-14): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/14/2026     No 1   A   A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24637957 37275383     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. XXXXX - Received New Exception due to updated unsigned 1065 document for the year XXXXX - Received unsigned 1065 document for the year XXXXX, hence require Signed 1065 document for the year XXXXX.       Reviewer Comment (2026-07-14): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/14/2026     No 1   A   A   AZ Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23250166 37275385     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-01): XXXXX


Buyer Comment (2026-06-29): XXXXX
 07/01/2026     No 1 B A C A   CA Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23250166 37275386     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees XXXXX Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.64945% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $32,136.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $5,718.87 or .64945%). Provide undiscounted rate and bona fide points excluded for additional review.       Reviewer Comment (2026-07-01): XXXXX


Buyer Comment (2026-06-29): XXXXX
 07/01/2026     No 1 C A C A   CA Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275391     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver Test TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.       Reviewer Comment (2026-06-12): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/12/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term No Defined Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275392     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Require 1120S for the year XXXXX or extension; also missing XXXXX 1040 or extension based on application date of XX/XX/XX       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-15): XXXXX
 06/15/2026     No 1 B A B A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275393     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Missing XXXXX W2 transcript or extension for XXXXX.
Missing XXXXX 1040 transcript or ext for XXXXX.		       Reviewer Comment (2026-07-14): XXXXX


Buyer Comment (2026-07-13): XXXXX


Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
 07/14/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275395     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-07-15): XXXXX


Buyer Comment (2026-07-13): XXXXX
 07/15/2026     No 1 B A C A   AZ Primary Refinance - Rate/Term Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21087991 37275396     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. QM failure due to Tax Transcripts exception. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-07-14): XXXXX


Buyer Comment (2026-07-13): XXXXX
 07/14/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275397     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. Missing XXXXX Tax Extension.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/15/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275398     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Missing XXXXX 1040 and 1120 Tax Extension.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/15/2026     No 1 B A B A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275399     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Missing XXXXX 1040 and 1120 Tax Extension.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/15/2026     No 1 B A B A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275400     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Missing XXXXX 1040 and 1120 Tax Extension.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/15/2026     No 1 B A B A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275401     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Missing XXXXX K-1 , losses included from XXXXX K-1       Reviewer Comment (2026-07-06): XXXXX


Buyer Comment (2026-07-01): XXXXX


Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX
 07/06/2026     No 1 B A B A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21087991 37275404     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing XXXXX 1040 and 1120 Tax Extension. for XXXXX and XXXXX W2 transcript for XXXXX.       Reviewer Comment (2026-06-15): XXXXX


Buyer Comment (2026-06-11): XXXXX
 06/15/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24772374 37275405     Property Valuation Valuation Issue Valuation XXXXX program guidelines require a CDA (Desk Review)   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-29): XXXXX
 06/30/2026     No 1 C A C A   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 24772374 37275408     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to Qualified Mortgage Failure. This exception will be cleared once all Qualified Mortgage specific Exceptions have been cured/Cleared.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX
 06/30/2026     No 1 B A C A   NC Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 24772374 37275409     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees XXXXX Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.87346% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $32,536.68 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $7,337.01 or .87346%). Provide undiscounted rate and bona fide points excluded for additional review.       Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-26): XXXXX
 06/30/2026     No 1 C A C A   NC Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28095335 37275412     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Initial 1003 not provided in file.       Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/18/2026     No 1 B A B A   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28095335 37275414     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $825.20 exceeds tolerance of $711.00 plus 10% or $782.10.  $43.10 over legal limit.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $43.10 due to increase of recording and title-survey fees. No valid COC provided, nor evidence of cure in file.       Reviewer Comment (2026-06-22): XXXXX


Buyer Comment (2026-06-22): XXXXX


Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-17): XXXXX
   06/22/2026   No 2 C B C B   FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 23687643 37275415     Property Valuation Valuation Issue Valuation XXXXX program guidelines require a CDA (Desk Review)   CU score is greater than 2.5, therefore CDA is required.       Reviewer Comment (2026-06-24): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/24/2026     No 1 C A C A   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23687643 37275419     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Disclosure is dated XX/XX/XX.       Reviewer Comment (2026-06-22): XXXXX
 06/22/2026     No 1 B A B A   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 23687643 37275420     Credit Insurance Insurance Documentation Insurance Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance.   HOI policy provided is missing the dwelling coverage amount. Only insurance bill provided. Need complete policy.       Reviewer Comment (2026-07-09): XXXXX


Buyer Comment (2026-07-09): XXXXX


Reviewer Comment (2026-07-08): XXXXX


Buyer Comment (2026-07-07): XXXXX


Reviewer Comment (2026-06-30): XXXXX


Buyer Comment (2026-06-29): XXXXX


Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 07/09/2026     No 1 C A C A   FL Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26856952 37275428     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 B A B A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 26856952 37275429     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 B A B A   MA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25896886 37275432     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower within 3 days of closing was not provided. Waiver not provided.       Reviewer Comment (2026-06-09): XXXXX


Buyer Comment (2026-06-05): XXXXX
 06/09/2026     No 1 B A B A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25896886 37275433     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 B A C A   TN Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 25896886 37275435     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Require LOX from XXXXX for historical bonus. Only bonus documented is from current employer started that started XX/XX/XX borrower received a signing bonus of $30k. 2 years required per AUS.       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-08): XXXXX
 06/10/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25896886 37275436     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. QM failure due to insufficient income documentation. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25896886 37275437     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing. Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ Effective date of provided HOI policy is XX/XX/XX, which is after the disbursement date. Provide HOI policy that covers the note date. The representative FICO score exceeds the guideline minimum by at least 40 points.

Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		 762 vs 660 SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-18): XXXXX
     06/18/2026 Yes 2 C B C B   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25896886 37275438     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - Borrower qualified using average monthly income and 1 year + YTD Bonus income. Require recent XXXXX and XXXXX  W-2 transcripts. AUS did not validate income.       Reviewer Comment (2026-06-10): XXXXX


Buyer Comment (2026-06-10): XXXXX
 06/10/2026     No 1 C A C A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 25896886 37275439     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2026-06-09): XXXXX


Buyer Comment (2026-06-05): XXXXX
 06/09/2026     No 1 B A B A   TN Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 28262357 37275450     Credit Documents Missing Document Documents File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. - File does not contain documentation from lender/seller confirming the condo/co-op is warrantable.       Reviewer Comment (2026-07-28): XXXXX


Buyer Comment (2026-07-28): XXXXX
 07/28/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27946276 37275452     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Both Personal and Business Tax Return extensions for the year XXXXX are provided along with XXXXX and XXXXX 1040 and 1120S Transcripts. EV2 and may be waived.       Buyer Comment (2026-06-15): XXXXX
     06/15/2026 No 2 B B B B   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27946276 37275454     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI is insufficient by $12,407.20. Missing Replacement Cost Estimator. Also, subject property is not referenced on the dec page provided for policy #XXXXX incepted XX/XX/XX same day as our subject closing.       Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX


Buyer Comment (2026-06-15): XXXXX
 06/18/2026     No 1 C A C A   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27946276 37275455     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. File contains evidence that the appraisal report provided is an updated report. Delivery confirmations dated earlier than the report date of the report located in the file. Lender to provide all previous appraisal reports or updates.       Reviewer Comment (2026-06-17): XXXXX


Buyer Comment (2026-06-15): XXXXX
 06/17/2026     No 1 B A B A   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27946276 37275456     Credit Credit Credit Documentation Guideline Missing Document: Asset not provided   Fie contains unsigned note and CD for recent refinance of XXXXX. New PITI and funds used to qualify on subject. Provide executed final CD for cash to close verification and evidence of exact new PITIHOA.       Reviewer Comment (2026-06-23): XXXXX


Buyer Comment (2026-06-22): XXXXX


Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/23/2026     No 1 C A C A   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27946276 37275457     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-24): XXXXX


Buyer Comment (2026-06-24): XXXXX


Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/24/2026     No 1 B A C A   FL Second Home Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 27946276 37275458     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. ATR failure due to insufficient asset documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2026-06-24): XXXXX


Buyer Comment (2026-06-24): XXXXX


Reviewer Comment (2026-06-18): XXXXX


Buyer Comment (2026-06-16): XXXXX
 06/24/2026     No 1 C A C A   FL Second Home Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22222598 37275459     Credit Credit Credit Documentation Credit No evidence of fraud report in file - No evidence of fraud report in file.       Reviewer Comment (2026-07-07): XXXXX


Buyer Comment (2026-07-06): XXXXX
 07/07/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22222598 37275463     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $155.45 exceeds tolerance of $0.00.  $155.45 over legal limit.  Insufficient or no cure was provided to the borrower. Credit Report Fee was disclosed as $0.00 on Initial Loan Estimate and $155.45 on Final Closing Disclosure. No evidence of cure and no valid Change of Circumstance provided in file.       Reviewer Comment (2026-07-09): XXXXX


Buyer Comment (2026-07-07): XXXXX


Reviewer Comment (2026-07-07): XXXXX


Buyer Comment (2026-07-02): XXXXX
   07/09/2026   No 2 C B C B   UT Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22222598 37275464     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $105.00 exceeds tolerance of $74.00.  $31.00 over legal limit.  Insufficient or no cure was provided to the borrower. Cure provided at closing, this will be cleared when all other TRID issue have been resolved.       Reviewer Comment (2026-07-07): XXXXX


Buyer Comment (2026-07-02): XXXXX
 07/07/2026     No 1 C A C A   UT Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22222598 37275465     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         Reviewer Comment (2026-07-07): XXXXX


Buyer Comment (2026-07-02): XXXXX
 07/07/2026     No 1 C A C A   UT Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22222598 37275466     Credit Guideline Guideline Issue Guideline Housing history reflects lates that do not meet guidelines   -Primary Residence: XXXXX (Refinance) - XXXXX is missing XX/XX/XX payment.       Reviewer Comment (2026-07-10): XXXXX


Buyer Comment (2026-07-08): XXXXX
 07/10/2026     No 1 C A C A   UT Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29160764 37275473     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $96.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-07-07): XXXXX
   07/07/2026   No 1 A A A A   GA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22728037 37275480     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00.  $34.00 over legal limit.  Insufficient or no cure was provided to the borrower. Cure provided at closing, this will be cleared when all other open TRID issues have been resolved.       Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/25/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22728037 37275481     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,481.57 exceeds tolerance of $0.00.  $3,481.57 over legal limit.  Insufficient or no cure was provided to the borrower. Loan Discount Point on initial Loan Estimate was $0.00, and on final Closing Disclosure it is $3,481.57. No valid Change of Circumstance or cure provided.       Reviewer Comment (2026-06-25): XXXXX


Buyer Comment (2026-06-24): XXXXX
 06/25/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22728037 37275483     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - Wage Transcript or Tax Transcript for years XXXXX and XXXXX is needed for borrower XXXXX.       Reviewer Comment (2026-07-02): XXXXX


Buyer Comment (2026-07-02): XXXXX
 07/02/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22728037 37275484     Credit Guideline Guideline Issue Guideline Missing required Transcripts (1040). - Wage Transcript or Tax Transcript for years XXXXX and XXXXX is needed for co-borrower XXXXX.       Reviewer Comment (2026-07-02): XXXXX


Buyer Comment (2026-07-02): XXXXX
 07/02/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22728037 37275487     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failed due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-07-02): XXXXX


Buyer Comment (2026-07-02): XXXXX
 07/02/2026     No 1 B A C A   AZ Primary Refinance - Rate/Term Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 22728037 37275488     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. QM failed due to insufficient income documentation. This exception will be cleared once all QM-specific exceptions have been cured or cleared.       Reviewer Comment (2026-07-02): XXXXX


Buyer Comment (2026-07-02): XXXXX
 07/02/2026     No 1 C A C A   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22728037 37275489     Credit Guideline Guideline Issue Guideline Rural property type is not permitted per Guidelines.   Per guidelines, rural properties are ineligible, but rural/residential properties are eligible. The appraisal reflects zoning as General Rural Zoning. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above 680.		 11 vs 3 SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2026-07-14): XXXXX


Buyer Comment (2026-07-14): XXXXX


Reviewer Comment (2026-07-09): XXXXX


Buyer Comment (2026-07-07): XXXXX


Reviewer Comment (2026-07-02): XXXXX


Buyer Comment (2026-06-30): XXXXX
     07/14/2026 Yes 2 C B C B   AZ Primary Refinance - Rate/Term   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22728037 37275495     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2026-06-25): XXXXX
   06/25/2026   No 1   A   A   AZ Primary Refinance - Rate/Term Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21220587 37275497     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.       Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/13/2026     No 1 B A B A   UT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 21220587 37275499     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $7,000.00 exceeds tolerance of $0.00.  $7,000.00 over legal limit.  Insufficient or no cure was provided to the borrower. Mortgage Broker Fee was disclosed as $0.00 on Initial Loan Estimate and $7,000.00 on Final Closing Disclosure. No evidence of cure and no valid Change of Circumstance provided in file.       Reviewer Comment (2026-07-24): XXXXX


Buyer Comment (2026-07-22): XXXXX


Reviewer Comment (2026-07-17): XXXXX


Buyer Comment (2026-07-16): XXXXX


Reviewer Comment (2026-07-15): XXXXX


Buyer Comment (2026-07-13): XXXXX


Reviewer Comment (2026-07-13): XXXXX


Buyer Comment (2026-07-09): XXXXX
 07/24/2026     No 1 C A C A   UT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 21220587 37275502     Credit Guideline Guideline Issue Guideline "Other" housing history reflects lates that do not meet guidelines.   Missing evidence of XX/XX/XX and XX/XX/XX payment for XXXXX.       Reviewer Comment (2026-07-23): XXXXX


Buyer Comment (2026-07-21): XXXXX


Reviewer Comment (2026-07-16): XXXXX


Buyer Comment (2026-07-14): XXXXX
 07/23/2026     No 1 C A C A   UT Primary Refinance - Cash-out - Other   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29582275 37275504     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Required third-party verification for Schedule C business XXXXX.       Reviewer Comment (2026-07-27): XXXXX


Buyer Comment (2026-07-24): XXXXX
 07/27/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29582275 37275507     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-27): XXXXX


Buyer Comment (2026-07-24): XXXXX
 07/27/2026     No 1 B A C A   CA Primary Purchase Lender to provide updated ATR/QM status Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29582275 37275508     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. Third-party verification of Sole Proprietorship status is required for business XXXXX.       Reviewer Comment (2026-07-27): XXXXX


Buyer Comment (2026-07-24): XXXXX
 07/27/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29582275 37275510     Compliance Compliance Federal Compliance ATR/QM Defect Loan does not meet one or more guideline components which could impact the borrower's ability to repay. General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay. QM failure due to third-party exception. This exception will be cleared once all QM-specific exceptions have been cured/cleared.       Reviewer Comment (2026-07-27): XXXXX


Buyer Comment (2026-07-24): XXXXX
 07/27/2026     No 1 C A C A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 29582275 37275511     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $117.00 plus 10% or $128.70.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $121.30 due to an increase of $250.00 in the recording fee. No valid COC was provided, and $121.30 evidence of cure is in the file.       Reviewer Comment (2026-07-21): XXXXX
   07/21/2026   No 1 A A A A   CA Primary Purchase Final CD evidences Cure Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) (redacted) (redacted) (redacted) 29582275 37275512     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Verification of Identification not provided   Missing borrower's State-Issued driver's license or other Government issued form of photo identification or Patriot form reflecting what identification was used to identify the borrower.       Reviewer Comment (2026-07-27): XXXXX


Buyer Comment (2026-07-24): XXXXX
 07/27/2026     No 1   A   A   CA Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 27200299 37275516     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard insurance policy document not provided.       Reviewer Comment (2026-07-27): XXXXX


Buyer Comment (2026-07-24): XXXXX
 07/27/2026     No 1 C A C A   MO Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) (redacted) (redacted) (redacted) 22903557 37275522     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal delivered to borrower was not provided.       Reviewer Comment (2026-07-29): XXXXX


Buyer Comment (2026-07-27): XXXXX
 07/29/2026     No 1 B A B A   MI Primary Purchase   Safe Harbor QM (APOR) Safe Harbor QM (APOR) No