Loan ID

Seller Loan ID

Redaction ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Acknowledged / WaivedBy

Waiver in File?

Unique Finding ID

XXXX

4000106036

Closed

FCRE0197

2026-01-14 10:33

2026-01-23 16:28

Resolved

1 - Information

Credit

Eligibility

The Final SELLER CD/HUD is missing

Resolved-Received seller cd - Due Diligence Vendor-01/23/2026

Ready for Review-Document Uploaded. please see attached - Seller-01/21/2026

Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026

Open-The Final SELLER CD/HUD is missing. Missing Seller Final CD/HUD. - Due Diligence Vendor-01/14/2026

Ready for Review-Document Uploaded. please see attached - Seller-01/21/2026

Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026

Resolved-Received seller cd - Due Diligence Vendor-01/23/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.7

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000106036

Closed

FCRE1202

2026-01-14 10:27

2026-01-23 16:24

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received acknowledgment of fraud report score. - Due Diligence Vendor-01/23/2026
Ready for Review-Document Uploaded. - Seller-01/21/2026
Ready for Review-Document Uploaded. Document Uploaded. Please see attached - Seller-01/21/2026
Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan.
- Due Diligence Vendor-01/14/2026

Ready for Review-Document Uploaded. - Seller-01/21/2026

Ready for Review-Document Uploaded. Document Uploaded. Please see attached - Seller-01/21/2026

Resolved-Received acknowledgment of fraud report score. - Due Diligence Vendor-01/23/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.7

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000106448

Closed

FCRE5782

2026-01-20 09:58

2026-01-23 16:40

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received credit refresh. - Due Diligence Vendor-01/23/2026

Ready for Review-Document Uploaded. Soft pull attached - Seller-01/21/2026

Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-01/20/2026

Ready for Review-Document Uploaded. Soft pull attached - Seller-01/21/2026

Resolved-Received credit refresh. - Due Diligence Vendor-01/23/2026

LTV is less than guideline maximum - Required is 75 Borrower has 53.32

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.73

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000106046

Closed

FCRE1506

2025-12-29 11:56

2026-01-06 13:24

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-HUD provided confirming no liens. The fraud report also confirms no liens. - Due Diligence Vendor-01/06/2026

Counter-Received PCCD. Finding is noting additional property, not subject. - Due Diligence Vendor-01/05/2026

Ready for Review-Document Uploaded. Please note that the Settlement Statement confirms there is no loan amount associated with this property - Seller-01/01/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending missing PITI for additional property - Due Diligence Vendor-12/29/2025

Ready for Review-Document Uploaded. Please note that the Settlement Statement confirms there is no loan amount associated with this property - Seller-01/01/2026

Resolved-HUD provided confirming no liens. The fraud report also confirms no liens. - Due Diligence Vendor-01/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 Required is 660 Borrower has 754

LTV is less than guideline maximum - Required is 75 Borrower has 42.55 Required is 75 Borrower has 42.55

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.37 Required is 49.99 Borrower has 31.37

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000106046

Closed

FCRE1295

2025-12-29 09:08

2026-01-06 13:20

Resolved

1 - Information

Credit

Income/Employment

Income 4 Months Income Verified is Missing

Resolved- Received P&L, cpa letter, and cpa verification - Due Diligence Vendor-01/05/2026

Ready for Review-Document Uploaded. The P&L statement has already been included in the original closing package for your review. - Seller-01/01/2026

Open-Income 4 Months Income Verified is Missing Missing P&I information - Due Diligence Vendor-12/29/2025

Ready for Review-Document Uploaded. The P&L statement has already been included in the original closing package for your review. - Seller-01/01/2026

Resolved- Received P&L, cpa letter, and cpa verification - Due Diligence Vendor-01/05/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000106445

Closed

FCRE1201

2025-12-24 16:49

2026-01-05 11:59

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-After further review, the seller is listed as current owner of record. - Due Diligence Vendor-01/05/2026

Ready for Review-PLEASE SEE ATTACHED - Seller-12/30/2025

Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/24/2025

Ready for Review-PLEASE SEE ATTACHED - Seller-12/30/2025

Resolved-After further review, the seller is listed as current owner of record. - Due Diligence Vendor-01/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.4

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000110498

Closed

FCRE8525

2026-01-22 11:55

2026-01-26 16:33

Resolved

1 - Information

Property

Appraisal

Two or more full valuation products not provided for loan amounts > $2 million

Resolved-Received 2nd 1004 appraisal. - Due Diligence Vendor-01/26/2026

Ready for Review-Document Uploaded. kindly see the attached file for your review - Seller-01/22/2026

Open-Missing second appraisal dated prior to note date. Two appraisals required for all loans > $2,000,000. Additional conditions may apply. - Due Diligence Vendor-01/22/2026

Ready for Review-Document Uploaded. kindly see the attached file for your review - Seller-01/22/2026

Resolved-Received 2nd 1004 appraisal. - Due Diligence Vendor-01/26/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 729 Required is 700 Borrower has 729

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.8 Required is 49.99 Borrower has 42.8

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000112778

Closed

FCRE1469

2026-02-04 10:39

2026-02-12 13:27

Resolved

1 - Information

Credit

Missing Doc

Asset 3 Missing

Resolved-Client provided receipt of gift in the amount of XXXX totaling XXXX which is total gift from title - Due Diligence Vendor-02/12/2026
Ready for Review-Document Uploaded. Please see attached - Seller-02/10/2026
Counter-Finding remains...Provide documentation gift in the amount of XXXX was given to title - Due Diligence Vendor-02/09/2026
Ready for Review-Document Uploaded. Hello Please be advise to disregard XXXX gift. The correct gift is XXXX - Seller-02/06/2026
Open-Asset 3 Missing Missing evidence of transfer of gift funds for XXXX - Due Diligence Vendor-02/04/2026

Ready for Review-Document Uploaded. Please see attached - Seller-02/10/2026
Ready for Review-Document Uploaded. Hello Please be advise to disregard XXXX gift. The correct gift is XXXX - Seller-02/06/2026

Resolved-Client provided receipt of gift in the amount of XXXX totaling XXXX which is total gift from title - Due Diligence Vendor-02/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.54

LTV is less than guideline maximum - Required is 80 Borrower has 48.72

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

XXXX

4000112778

Closed

FCRE7497

2026-02-04 10:48

2026-02-09 15:36

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Client provided HOA statement, payment correct in liabilities - Due Diligence Vendor-02/09/2026

Ready for Review-Hello it is in closing package please re review it is page 82 - Seller-02/06/2026

Open-Missing verification of HOA dues on borrower's primary residence - Due Diligence Vendor-02/04/2026

Ready for Review-Hello it is in closing package please re review it is page 82 - Seller-02/06/2026

Resolved-Client provided HOA statement, payment correct in liabilities - Due Diligence Vendor-02/09/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

XXXX

4000112778

Closed

FCRE1479

2026-02-03 15:48

2026-02-09 15:26

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Client provide all pages to statement - Due Diligence Vendor-02/09/2026
Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026
Open-Asset Record 1 Does Not Meet G/L Requirements Missing page 2 of statement for account ending in XXXX reflecting the account balance/transaction history - Due Diligence Vendor-02/04/2026

Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026

Resolved-Client provide all pages to statement - Due Diligence Vendor-02/09/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

XXXX

4000111918

Closed

FCRE1248

2026-01-30 17:34

2026-06-04 11:13

Resolved

1 - Information

Credit

Eligibility

Non-Arm's Length Transactions Not Allowed for Program

Resolved-Lender provided LOE from Brw verifying no familial relationship between Brw and XXXX (XXXX)- the individual who filled out and completed the borrower's Written Verification of Employment. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. - Seller-06/02/2026
Counter-Please provide an LOE from the Employer or Brw verifying no relationship between Brw and XXXX (XXXX). - Due Diligence Vendor-02/04/2026
Ready for Review-Please note that "XXXX" is one of the most common XXXX surnames, shared by millions globally (similar to 'XXXX').
I appreciate you clearing this condition based on this clarification. - Seller-02/02/2026
Open-Non-Arm's Length Transactions Not Allowed for Program The borrower's last name matches the last name of the person who filled out and completed the borrower's Written Verification of Employment (WVOE) with no explanation letter or supporting documentation. Once received, additional findings may apply. - Due Diligence Vendor-01/30/2026

Ready for Review-Document Uploaded. - Seller-06/02/2026
Ready for Review-Please note that "XXXX" is one of the most common XXXX surnames, shared by millions globally (similar to 'XXXX').
I appreciate you clearing this condition based on this clarification. - Seller-02/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762

LTV is less than guideline maximum - Required is 80 Borrower has 67.21

Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.89

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000112777

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000117601

Closed

FCOM9998

2026-02-23 15:09

2026-03-23 10:46

Resolved

1 - Information

Compliance

TRID

Closing Disclosure Issue

Resolved-Upon further review, no documentation is required. Finding resolved. - Due Diligence Vendor-03/23/2026

Ready for Review-Rebuttal - This is a lender paid compensation. Borrower did not pay for this. - Seller-03/19/2026

Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-02/23/2026

Ready for Review-Rebuttal - This is a lender paid compensation. Borrower did not pay for this. - Seller-03/19/2026

Resolved-Upon further review, no documentation is required. Finding resolved. - Due Diligence Vendor-03/23/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.65 Required is 49.99 Borrower has 31.65

LTV is less than guideline maximum - Required is 80 Borrower has 57.14 Required is 80 Borrower has 57.14

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 Required is 660 Borrower has 797

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000117322

Closed

finding-3532

2026-02-19 12:19

2026-03-20 10:29

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Received initial CD with signature date of XXXX, finding resolved. - Due Diligence Vendor-03/20/2026
Ready for Review-Document Uploaded. Uploaded. See ICD. - Seller-03/18/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/19/2026

Ready for Review-Document Uploaded. Uploaded. See ICD. - Seller-03/18/2026

Resolved-Received initial CD with signature date of XXXX, finding resolved. - Due Diligence Vendor-03/20/2026

LTV is less than guideline maximum - Required is 75 Borrower has 69.85

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.5

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000117322

Closed

FCRE5782

2026-02-23 13:55

2026-03-12 15:23

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received Gap Report. - Due Diligence Vendor-03/12/2026

Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-03/10/2026

Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/23/2026

Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-03/10/2026

Resolved-Received Gap Report. - Due Diligence Vendor-03/12/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000117322

Closed

FCOM5135

2026-02-19 12:27

2026-02-19 12:28

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.
- Due Diligence Vendor-02/19/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

N/A

XXXX

4000121999

Closed

finding-3352

2026-03-16 10:09

2026-08-07 13:22

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-08/07/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/16/2026

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-08/07/2026

Residual Income =/> 1.5 times $3,500 monthly residual income - $11,942.31 residual monthly income which is =/> 1.5 times $3,500 monthly residual income

On time mortgage history exceeds guideline requirement - 0x30x12 required - borrowers have 0x30x41+ on 2 accounts

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121999

Closed

FCOM1233

2026-03-16 10:43

2026-04-06 10:13

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Received the Final 1003, finding resolved. - Due Diligence Vendor-04/06/2026

Ready for Review-Document Uploaded. Uploaded. See signed Final 1003. - Seller-04/02/2026

Open-The Final 1003 is Incomplete Missing signed final 1003. - Due Diligence Vendor-03/16/2026

Ready for Review-Document Uploaded. Uploaded. See signed Final 1003. - Seller-04/02/2026

Resolved-Received the Final 1003, finding resolved. - Due Diligence Vendor-04/06/2026

XXXX

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121999

Closed

FCRE1325

2026-03-18 06:35

2026-04-03 12:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received Internet Search. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Uploaded. See XXXX Search Business. - Seller-04/02/2026
Open-Borrower 1 CPA Letter Missing Missing verification of business phone number. Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. Uploaded. See XXXX Search Business. - Seller-04/02/2026

Resolved-Received Internet Search. - Due Diligence Vendor-04/03/2026

XXXX

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121999

Closed

FCRE1204

2026-03-17 15:54

2026-04-03 12:27

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received management approval. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. Uploaded. See XXXX letter approval. - Seller-04/01/2026
Open-Fraud Report Shows Uncleared Alerts XXXX score is above 800 from XXXX - missing require management review and approval by the Underwriting Manager in order to proceed with the loan. Evidence of all high alerts being cleared. Additional findings may apply. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Uploaded. See XXXX letter approval. - Seller-04/01/2026

Resolved-Received management approval. - Due Diligence Vendor-04/03/2026

XXXX

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000118990

Closed

FCRE1479

2026-03-02 13:03

2026-03-04 14:30

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Removed Asset 1 Checking as not needed. Transaction history is only for Asset 2 - Savings. Borrower still has sufficient assets. - Due Diligence Vendor-03/04/2026
Ready for Review-Page 1 was provided just to show the account holder, but we have transaction history covering 1 month. Based on this, we kindly request to clear the condition. - Seller-03/04/2026
Open-Asset Record 1 Does Not Meet G/L Requirements Missing Pages 2 & 3 for account statement ending in XXXX - Due Diligence Vendor-03/02/2026

Ready for Review-Page 1 was provided just to show the account holder, but we have transaction history covering 1 month. Based on this, we kindly request to clear the condition. - Seller-03/04/2026

Resolved-Removed Asset 1 Checking as not needed. Transaction history is only for Asset 2 - Savings. Borrower still has sufficient assets. - Due Diligence Vendor-03/04/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.81

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000123067

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

4000122239

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000119907

Closed

FCOM1353

2026-03-26 10:45

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.94

LTV is less than guideline maximum - Required is 80 Borrower has 60.27

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000123077

Closed

FCRE1506

2026-03-09 08:00

2026-08-07 11:29

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/11/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited Reserves of 3.98 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets for total reserves required. - Due Diligence Vendor-03/09/2026

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/11/2026

On time mortgage history exceeds guideline requirement - On Time Mortgage History = 98 Months Required = 12 months

Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $12,415.55; minimum required NONE

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000123077

Closed

FCRE1198

2026-03-09 08:03

2026-03-11 17:01

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Originator waiver applied to non material finding with comp factors, deemed non-material due to reserves short by less than 1 month
- Due Diligence Vendor-03/11/2026
Counter-Received PCCD. Short $XXXXX in required reserves. 3.95 mos verified 4 months required. - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. Please review the attached post CD. - Seller-03/10/2026
Open-Audited Reserves of 3.98 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets for totals reserves required. - Due Diligence Vendor-03/09/2026

Ready for Review-Document Uploaded. Please review the attached post CD. - Seller-03/10/2026

Waived-Originator waiver applied to non material finding with comp factors, deemed non-material due to reserves short by less than 1 month
- Due Diligence Vendor-03/11/2026

XXXX

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000123077

Closed

finding-3352

2026-03-04 19:56

2026-03-11 13:33

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan has escrows and a full appraisal. - Due Diligence Vendor-03/10/2026
Ready for Review-This loan failed the higher-priced mortgage loan (HPML) test. However, an impound account for property taxes and insurance has been established, satisfying the HPML escrow requirement. As all other HPML requirements have been met, we respectfully request to clear any additional HPML conditions to allow funding, as explained above.
- Seller-03/10/2026
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ------Statute of limitations – One year; Expiration date: XXXX - Due Diligence Vendor-03/05/2026

Ready for Review-This loan failed the higher-priced mortgage loan (HPML) test. However, an impound account for property taxes and insurance has been established, satisfying the HPML escrow requirement. As all other HPML requirements have been met, we respectfully request to clear any additional HPML conditions to allow funding, as explained above.
- Seller-03/10/2026

Resolved-Loan has escrows and a full appraisal. - Due Diligence Vendor-03/10/2026

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000123077

Closed

FCOM5135

2026-03-04 19:12

2026-03-05 09:50

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings
- Due Diligence Vendor-03/05/2026

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000123076

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000119897

Closed

FCRE0157

2026-03-13 15:51

2026-03-24 14:19

Resolved

1 - Information

Credit

Eligibility

Loan does not meet guideline requirements for loans listed for sale

Resolved-Received LOE from borrowers regarding intention to retain property. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. - Seller-03/23/2026
Open-Loan does not meet guideline requirements for loans listed for sale. If the subject property was listed For Sale within the 6 months prior to the application date, the documentation must include a signed statement from the borrowers indicating their intent to retain the property. Per appraisal, subject listed for sale on XXXX and listing expired XXXX. A signed statement from the borrowers indicating their intent to retain the property was not seen in the loan file. - Due Diligence Vendor-03/13/2026

Ready for Review-Document Uploaded. - Seller-03/23/2026

Resolved-Received LOE from borrowers regarding intention to retain property. - Due Diligence Vendor-03/24/2026

LTV is less than guideline maximum - Required is 80 Borrower has 66.78

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 16.84

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000119897

Closed

FCRE0137

2026-03-13 15:51

2026-03-24 14:18

Resolved

1 - Information

Credit

Eligibility

Subject property is listed for sale

Resolved-Received confirmation subject not listed for sale. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. - Seller-03/23/2026
Open-UW to confirm there is no evidence the home is listed for sale. Per google search, subject not listed for sale as of XXXX. - Due Diligence Vendor-03/13/2026

Ready for Review-Document Uploaded. - Seller-03/23/2026

Resolved-Received confirmation subject not listed for sale. - Due Diligence Vendor-03/24/2026

LTV is less than guideline maximum - Required is 80 Borrower has 66.78

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 16.84

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000119902

Closed

finding-3634

2026-03-09 12:41

2026-06-10 12:02

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-The loan origination fee is a fee being absorbed by the lender, was never intended to be paid by borrower therefore no disclosing on LE is acceptable. - Due Diligence Vendor-06/10/2026

Counter-Loan Origination is a borrower paid fee and included in tolerance testing. IF this is a fee being paid by the Lender as Broker Compensation, the initial CD must disclose this a Broker Compensation or supporting documentation must be provided showing the lender agreed to pay Origination Fee at time of initial LE in order to remove the fee from tolerance testing. Finding remains - Due Diligence Vendor-03/19/2026

Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-03/17/2026

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $19,840.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-03/09/2026

Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-03/17/2026

Resolved-The loan origination fee is a fee being absorbed by the lender, was never intended to be paid by borrower therefore no disclosing on LE is acceptable. - Due Diligence Vendor-06/10/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.77 Required is 49.99 Borrower has 44.77

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 Required is 660 Borrower has 777

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000119902

Closed

FCRE0044

2026-03-10 15:02

2026-03-18 16:42

Resolved

1 - Information

Credit

Eligibility

File does not contain LOX for credit inquiries

Resolved-Upon further review, the loan file contained all required credit inquiry documentation - Due Diligence Vendor-03/19/2026

Ready for Review-The documents were already included in the original package (Pages 58. 59) - Seller-03/17/2026

Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/13/2026

Ready for Review-The documents were already included in the original package (Pages 58. 59) - Seller-03/17/2026

Resolved-Upon further review, the loan file contained all required credit inquiry documentation - Due Diligence Vendor-03/19/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000119902

Closed

FCOM5135

2026-03-09 10:20

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/09/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000123296

Closed

finding-3634

2026-03-11 11:59

2026-03-18 13:31

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC with explanation of fee increase, finding resolved. - Due Diligence Vendor-03/18/2026
Ready for Review-Document Uploaded. Please see the COC. - Seller-03/16/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXXXX(Appraisal fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX - Due Diligence Vendor-03/11/2026

Ready for Review-Document Uploaded. Please see the COC. - Seller-03/16/2026

Resolved-Received COC with explanation of fee increase, finding resolved. - Due Diligence Vendor-03/18/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.89

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000123296

Closed

FCOM5135

2026-03-11 11:41

2026-03-11 12:01

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings
- Due Diligence Vendor-03/11/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.89

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000122251

Closed

FCRE1159

2026-03-17 15:50

2026-04-06 13:44

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Received the PCCD reflecting the disbursement date of XXXX. Property insurance effective prior to disbursement. - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. Uploaded. See PCCD and FSS. - Seller-04/03/2026
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD and FSS. - Seller-04/03/2026

Resolved-Received the PCCD reflecting the disbursement date of XXXX. Property insurance effective prior to disbursement. - Due Diligence Vendor-04/06/2026

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying DTI below maximum allowed - Required is 49.9 Borrower has 34.74

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122251

Closed

finding-3625

2026-03-16 09:52

2026-04-06 11:54

Resolved

1 - Information

Compliance

TRID

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

Resolved-Received PCCD, Finding resolved. - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/03/2026
Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Flood Cert, MERS Fee, Quality Assurance Fee, & Tax Service Fee, in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/16/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/03/2026

Resolved-Received PCCD, Finding resolved. - Due Diligence Vendor-04/06/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121445

Closed

FCOM1353

2026-03-13 13:19

2026-03-20 14:12

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/13/2026

Qualifying FICO score is at least 20 points above minimum for program - 748 exceeds min required 660 Required is 660 Borrower has 748

LTV is less than guideline maximum - 75 is below max allowed 85 Required is 85 Borrower has 75

Qualifying DTI below maximum allowed - 13.21 below max allowed 49.99 Required is 49.99 Borrower has 13.21

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000121445

Closed

FCOM1265

2026-03-13 11:49

2026-03-20 12:00

Resolved

1 - Information

Compliance

Right to Rescind

Non-Borrower Title Holder Did Not Receive Right of Rescission Form

Resolved-Upon further review, the document(s) are located in original file, nothing further required. Non-borrower when not on title, they generally do not have ROR. - Due Diligence Vendor-03/20/2026
Counter-Need ROR signed by non borrowing signer on the mortgage. ROR applicability that the non-borrower is pledging their interest in the property. Finding Remains. - Due Diligence Vendor-03/19/2026
Ready for Review-Could you please waived this condition, the Deed of Trust only mentions XXXX as the sole borrower. - Seller-03/17/2026
Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form ----- Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-03/13/2026

Ready for Review-Could you please waived this condition, the Deed of Trust only mentions XXXX as the sole borrower. - Seller-03/17/2026

Resolved-Upon further review, the document(s) are located in original file, nothing further required. Non-borrower when not on title, they generally do not have ROR. - Due Diligence Vendor-03/20/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121445

Closed

FCRE1510

2026-03-17 14:25

2026-03-19 12:52

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/19/2026

Ready for Review-Document Uploaded. Please see the legal description. - Seller-03/18/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Please see the legal description. - Seller-03/18/2026

Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121445

Closed

FCRE1202

2026-03-17 13:01

2026-03-19 12:50

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received management acknowledgment of fraud score - Due Diligence Vendor-03/19/2026

Ready for Review-Document Uploaded. - Seller-03/17/2026

Open-Third Party Fraud Report Partially Provided Missing review and approval by the Underwriting Manager for XXXXXXXX score above 800. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. - Seller-03/17/2026

Resolved-Received management acknowledgment of fraud score - Due Diligence Vendor-03/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000120816

Closed

FCRE5782

2026-03-17 08:17

2026-04-03 12:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received Gap Report. - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-04/01/2026

Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report within 10 days of closing is Missing - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-04/01/2026

Resolved-Received Gap Report. - Due Diligence Vendor-04/03/2026

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.02

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000120816

Closed

FCOM1353

2026-03-13 12:16

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings.
- Due Diligence Vendor-03/13/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000121447

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

4000121666

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000121056

Closed

FCRE1491

2026-03-18 19:23

2026-04-03 12:20

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Received Gift Letter and proof of receipt. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. please review the proof of the gift funds $20k the gift letter has been already provided earlier - Seller-04/01/2026
Counter-Received Bank statement and updated 1003 reflecting gift of $20k. Docuement provided did not confirm proof of receipt of gift funds. Additional conditions may apply - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. please see the attached bank statement for XXXX, which has an ending balance covering the closing fund amount and the updated 1003 - Seller-03/26/2026
Counter-Received gift letter and donors ability. Provide corrected final 1003 reflecting final assets considered, proof of receipt of gift funds. Additional conditions may apply - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. Please review the updated gif letter with bank statement listed borrower's name instead the entity.

- Seller-03/20/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Vporrower is using assets in the name of a business of XXXX, missing documention supporting the borrower owns the business or has full access to these assets. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. please review the proof of the gift funds XXXX the gift letter has been already provided earlier - Seller-04/01/2026
Ready for Review-Document Uploaded. please see the attached bank statement for XXXX, which has an ending balance covering the closing fund amount and the updated 1003 - Seller-03/26/2026
Ready for Review-Document Uploaded. Please review the updated gif letter with bank statement listed borrower's name instead the entity.

- Seller-03/20/2026

Resolved-Received Gift Letter and proof of receipt. - Due Diligence Vendor-04/03/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.7

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121056

Closed

FCOM5135

2026-03-16 10:15

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-03/16/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000120815

Closed

FCRE1503

2026-03-18 02:12

2026-03-30 13:49

Resolved

1 - Information

Credit

QM-ATR

ATR: The Lender did not document all ATR Factors

Resolved-Received missing credit documentation. - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. Please see the documents. - Seller-03/26/2026
Counter-A CD was provided with estimated taxes and insurance of XXXX for the property at XXXX; however, the actual taxes and insurance are required. Confirmation that the property located at XXXX has no HOAs was provided. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. Please see the zillow search for XXXX, single family dwell no HOA.
CD XXXX is also uploaded. - Seller-03/24/2026
Counter-Received confirmation of no HOA for XXXX. Missing taxes and insurance. Missing confirmation no HOA for XXXX. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. Please see the XXXX property search result. It is a single family dwell, no HOA.

3c property is the subject property. - Seller-03/20/2026
Open-ATR: The Lender did not document all ATR Factors 1. Missing verification of HOA for REO 3b. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply.
2. Missing verification of TIA for REO 3c. Audit used monthly TIA amount noted on 1003 to qualify and P&I payment from note dated XXXX. Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. Please see the documents. - Seller-03/26/2026
Ready for Review-Document Uploaded. Please see the XXXX search for XXXX, single family dwell no HOA.
CD XXXX is also uploaded. - Seller-03/24/2026
Ready for Review-Document Uploaded. Please see the XXXX property search result. It is a single family dwell, no HOA.

3c property is the subject property. - Seller-03/20/2026

Resolved-Received missing credit documentation. - Due Diligence Vendor-03/30/2026

LTV is less than guideline maximum - Required is 80 Borrower has 60

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000120815

Closed

FCRE7497

2026-03-18 01:37

2026-03-30 13:48

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received REO documentation. - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. Please see the documents. - Seller-03/26/2026
Counter-A CD was provided with estimated taxes and insurance of XXXX for the property at XXXX; however, the actual taxes and insurance are required. Confirmation that the property located at XXXX has no HOAs was provided. - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. - Seller-03/24/2026
Counter-Received confirmation of no HOA for XXXX. Missing taxes and insurance. Missing confirmation no HOA for XXXX. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. Please see the Zillow search result, 3b property is single house dwell, no HOA.

3c property is the subject property. - Seller-03/20/2026
Open-1. Missing verification of HOA for REO 3b. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply.
2. Missing verification of TIA for REO 3c. Audit used monthly TIA amount noted on 1003 to qualify and P&I payment from note dated 02/2026. Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. Please see the documents. - Seller-03/26/2026
Ready for Review-Document Uploaded. - Seller-03/24/2026
Ready for Review-Document Uploaded. Please see the XXXX search result, 3b property is single house dwell, no HOA.

3c property is the subject property. - Seller-03/20/2026

Resolved-Received REO documentation. - Due Diligence Vendor-03/30/2026

LTV is less than guideline maximum - Required is 80 Borrower has 60

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000120815

Closed

finding-3646

2026-03-17 11:30

2026-03-24 13:23

Resolved

1 - Information

Compliance

TRID

TRID Post-Consummation Event Validation Test

Resolved-Corrected PCCD provided. Finding resolved. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. Please see the corrected post CD. - Seller-03/20/2026
Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. PCCD in file has issue date of XXXX, but is e-signed by borrower on XXXX. Please clarify which date Post-Consummation event occurred. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Please see the corrected post CD. - Seller-03/20/2026

Resolved-Corrected PCCD provided. Finding resolved. - Due Diligence Vendor-03/24/2026

LTV is less than guideline maximum - Required is 80 Borrower has 60

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000121081

Closed

FCRE1254

2026-03-17 11:13

2026-03-31 10:34

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Per appraisal and transfer Borrower owns solar. - Due Diligence Vendor-03/31/2026
Counter-Received Appraisal indicating Solar is leased. - Missing proof of XXXX solar agreement secured on Title and transferred to Borrower as noted in initial finding. - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/27/2026
Counter-Received PPA. Please provide proof solar is owned per appraisal. - Due Diligence Vendor-03/22/2026
Ready for Review-Document Uploaded. This was included in the package. within the Prelim Report. - Seller-03/19/2026
Open-Property Title Issue Missing proof of XXXX solar agreement secured on Title and transferred to Borr is satisfied and owned free and clear as noted on Appraisal. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/27/2026

Ready for Review-Document Uploaded. This was included in the package. within the Prelim Report. - Seller-03/19/2026

Resolved-Per appraisal and transfer Borrower owns solar. - Due Diligence Vendor-03/31/2026

LTV is less than guideline maximum - Required is 80 Borrower has 63.91

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.17

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121081

Closed

FCRE0200

2026-03-17 11:29

2026-03-22 16:28

Resolved

1 - Information

Credit

Debt

Missing proof of liability not disclosed on credit report

Resolved-Received corrected final 1003 reflecting liability included. - Due Diligence Vendor-03/22/2026
Ready for Review-Document Uploaded. It is listed in the POST 1003, this was provided inthe CP. Please remove condition - Seller-03/19/2026
Open-Missing proof of XXXX with payment $XX/mo and $XXX balance not reflected on Credit Reports in file reflecting $X balance however, listed on Final 1003. - Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. It is listed in the POST 1003, this was provided inthe CP. Please remove condition - Seller-03/19/2026

Resolved-Received corrected final 1003 reflecting liability included. - Due Diligence Vendor-03/22/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121081

Closed

FCRE8611

2026-03-18 09:25

2026-03-22 16:24

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Received confirmation from CPA phone number is not published. - Due Diligence Vendor-03/22/2026
Ready for Review-Document Uploaded. Based on the CPA letter, the nature of the business is already confirmed. The phone number is not required for this item. Please remove this condition - Seller-03/19/2026
Open-Missing verification of business phone number via XXXX Search, XXXX or internet. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. Based on the CPA letter, the nature of the business is already confirmed. The phone number is not required for this item. Please remove this condition - Seller-03/19/2026

Resolved-Received confirmation from CPA phone number is not published. - Due Diligence Vendor-03/22/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121081

Closed

FCRE1510

2026-03-16 12:15

2026-03-20 15:49

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Legal description was provided. - Due Diligence Vendor-03/20/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/19/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-03/16/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/19/2026

Resolved-Legal description was provided. - Due Diligence Vendor-03/20/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121424

Closed

FCRE1203

2026-03-18 18:50

2026-03-24 08:54

Resolved

1 - Information

Credit

Eligibility

Potential Fraud Reflected on Fraud Report

Resolved-Received Fraud Report Management Approval for Score above 800. - Due Diligence Vendor-03/24/2026
Ready for Review-Document Uploaded. Please see the letter. - Seller-03/20/2026
Open-Potential Fraud Reflected on Fraud Report Fraud risk score is 816, XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-03/18/2026

Ready for Review-Document Uploaded. Please see the letter. - Seller-03/20/2026

Resolved-Received Fraud Report Management Approval for Score above 800. - Due Diligence Vendor-03/24/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761

LTV is less than guideline maximum - Required is 80 Borrower has 74.95

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121424

Closed

FCRE0187

2026-03-17 18:59

2026-03-23 12:50

Resolved

1 - Information

Property

Loan does not meet Flip transaction requirements

Resolved-A second appriasal is only required on flip HPML loans. This is not an HPML loan. - Due Diligence Vendor-03/23/2026

Open-Provide additional appraisal as property is a flip transaction - Due Diligence Vendor-03/17/2026

Resolved-A second appriasal is only required on flip HPML loans. This is not an HPML loan. - Due Diligence Vendor-03/23/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761

LTV is less than guideline maximum - Required is 80 Borrower has 74.95

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121424

Closed

FCOM5135

2026-03-17 12:29

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/17/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761

LTV is less than guideline maximum - Required is 80 Borrower has 74.95

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000121074

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000121080

Closed

FCOM1232

2026-03-17 14:23

2026-03-23 11:19

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Received Final 1003, finding resolved. - Due Diligence Vendor-03/23/2026

Ready for Review-Document Uploaded. - Seller-03/20/2026

Open-The Final 1003 is Missing -----Final 1003 Application is missing from loan file. Please provide. Non-Curable finding.
- Due Diligence Vendor-03/17/2026

Ready for Review-Document Uploaded. - Seller-03/20/2026

Resolved-Received Final 1003, finding resolved. - Due Diligence Vendor-03/23/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.16

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121053

Closed

FCOM5135

2026-03-19 14:08

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/19/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.78

LTV is less than guideline maximum - Required is 75 Borrower has 50.14

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000122247

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000121426

Closed

FCRE1152

2026-03-23 14:26

2026-03-30 16:09

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Received Tax Record Info Sheet. - Due Diligence Vendor-03/30/2026

Ready for Review-Document Uploaded. - Seller-03/26/2026

Counter-Received preliminary title report. Please provide property tax cert. - Due Diligence Vendor-03/26/2026

Ready for Review-Document Uploaded. Regarding the Property Tax evidence, the tax information is already included in the Title Report. Please refer to Page 4, Item #1 of the Title Report previously submitted. It provides the necessary evidence of the property taxes for the subject property. Please review and clear this condition - Seller-03/24/2026

Open-Missing Evidence of Property Tax Loan file is absent evidence of Property Taxes. - Due Diligence Vendor-03/23/2026

Ready for Review-Document Uploaded. - Seller-03/26/2026

Ready for Review-Document Uploaded. Regarding the Property Tax evidence, the tax information is already included in the Title Report. Please refer to Page 4, Item #1 of the Title Report previously submitted. It provides the necessary evidence of the property taxes for the subject property. Please review and clear this condition - Seller-03/24/2026

Resolved-Received Tax Record Info Sheet. - Due Diligence Vendor-03/30/2026

Months Reserves exceed minimum required - 18.75 mths reserves; 4 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121426

Closed

FCRE1334

2026-03-23 15:30

2026-03-26 10:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T/4506-C is Missing

Resolved-Upon further review, WVOE income documentation is complete. - Due Diligence Vendor-03/26/2026

Ready for Review-This is a Non-QM loan, and per the program guidelines, IRS Form 4506-C is not required for this file. - Seller-03/24/2026

Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-T/4506-C is absent the loan file, regarding of lender guides. Additional conditions may apply, pending review. - Due Diligence Vendor-03/23/2026

Ready for Review-This is a Non-QM loan, and per the program guidelines, IRS Form 4506-C is not required for this file. - Seller-03/24/2026

Resolved-Upon further review, WVOE income documentation is complete. - Due Diligence Vendor-03/26/2026

Months Reserves exceed minimum required - 18.75 mths reserves; 4 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121426

Closed

FCOM5135

2026-03-19 14:23

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.
- Due Diligence Vendor-03/19/2026

Months Reserves exceed minimum required - 18.75 mths reserves; 4 mths required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000122455

Closed

FCRE1506

2026-04-23 21:31

2026-05-01 12:14

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received TIA for 3a - Due Diligence Vendor-05/01/2026

Ready for Review-Document Uploaded. - Seller-04/30/2026

Counter-Pending receipt of signed loe confirming no HOI policy for 3a - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. - Seller-04/28/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing information used for REO 3A insurance. - Due Diligence Vendor-04/24/2026

Ready for Review-Document Uploaded. - Seller-04/30/2026

Ready for Review-Document Uploaded. - Seller-04/28/2026

Resolved-Received TIA for 3a - Due Diligence Vendor-05/01/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.32

LTV is less than guideline maximum - Required is 80 Borrower has 54.29

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 806

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122455

Closed

FCRE7497

2026-04-23 21:31

2026-05-01 12:10

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received confirmation no HOI on 3a - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. - Seller-04/30/2026
Counter-Received unsigned letter stating no insurance for XXXX. Please provide executed LOE by borrower, MLO or processor confirming no HOI. - Due Diligence Vendor-04/29/2026
Ready for Review-Document Uploaded. - Seller-04/28/2026
Open-Missing information used for REO 3A insurance. Documentation in file does not reflect total used to qualify on final 1003. - Due Diligence Vendor-04/24/2026

Ready for Review-Document Uploaded. - Seller-04/30/2026

Ready for Review-Document Uploaded. - Seller-04/28/2026

Resolved-Received confirmation no HOI on 3a - Due Diligence Vendor-05/01/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121667

Closed

FCOM1353

2026-03-23 05:16

2026-03-25 12:53

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.86 Required is 49.99 Borrower has 28.86

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000121667

Closed

FCOM1267

2026-03-21 13:09

2026-03-23 06:57

Waived

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Partially Provided

Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/21/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000121667

Closed

FCOM5135

2026-03-21 13:09

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/21/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000121685

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000121434

Closed

FCRE9501

2026-03-20 20:34

2026-03-27 12:29

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-PCCD provided with funds to the borrower. - Due Diligence Vendor-03/26/2026

Ready for Review-Document Uploaded. - Seller-03/25/2026

Open-Total Qualified Assets Post-Close amount is '$-626.48'. Assets are Insufficient. Subject primary purchase. Borr short -$626.48 funds to close. Provide evidence of sufficient assets to cover cash to close. - Due Diligence Vendor-03/21/2026

Ready for Review-Document Uploaded. - Seller-03/25/2026

Resolved-PCCD provided with funds to the borrower. - Due Diligence Vendor-03/26/2026

LTV is less than guideline maximum - Required is 75 Borrower has 28.21

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.43

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121434

Closed

FCRE1506

2026-03-23 10:13

2026-03-26 15:04

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/26/2026

Ready for Review-Document Uploaded. - Seller-03/25/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Assets statement with sufficient funds to cover cash to close. - Due Diligence Vendor-03/23/2026

Ready for Review-Document Uploaded. - Seller-03/25/2026

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/26/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121434

Closed

FCOM5135

2026-03-20 10:20

2026-03-20 10:36

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/20/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000121682

Closed

FCRE1334

2026-03-24 16:35

2026-03-26 13:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T/4506-C is Missing

Resolved-Borrower 1 Executed 4506-T/4506-C not required. - Due Diligence Vendor-03/26/2026

Ready for Review-This is a non qm 4506-T/4506 C isnt required please waive - Seller-03/24/2026

Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-T/4506-C is absent the loan file, regarding of lender guides. Additional conditions may apply, pending review. - Due Diligence Vendor-03/24/2026

Ready for Review-This is a non qm 4506-T/4506 C isnt required please waive - Seller-03/24/2026

Resolved-Borrower 1 Executed 4506-T/4506-C not required. - Due Diligence Vendor-03/26/2026

LTV is less than guideline maximum - Required is 80 Borrower has 54.35

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.6

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121438

Closed

FCRE1198

2026-03-26 20:24

2026-05-21 15:00

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Additional Chase statement provided. - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Please See Bank Statements - Seller-04/14/2026
Counter-PCCD provided. Please provide the source of the $XXXXX Initial Deposit - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. Hello Please See Post Cd - Seller-04/08/2026
Counter-Received settlement statement dated XXXX disbursement date. Missing corresponding PCCD. - Due Diligence Vendor-04/07/2026
Ready for Review-Hello Team, I don't see any asset document of XXXX dated XXXX that you mentioned.
We only sent the Jan statement. Where did you find these documents? - Seller-04/06/2026
Counter-Received request to waive condition. Review has confirmed borrower insufficient funds verified for closing and reserves required (loan amount triggers reserves) finding remains. - Due Diligence Vendor-04/01/2026
Ready for Review-Could you please waive this condition? This loan is rate/term program. - Seller-03/30/2026
Counter-Client provided duplicate gift letters. Asset statement reflects those gifts deposited. However missing XXXX statement (may reflect monies being sent to title), XXXX short history reflects a small balance. Document proof cash for closing sent to title - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. Please see the gift letters and final settlement statement. - Seller-03/27/2026
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Documented assets in file are insufficient to cover reserves. - Due Diligence Vendor-03/27/2026

Ready for Review-Document Uploaded. Please See Bank Statements - Seller-04/14/2026
Ready for Review-Document Uploaded. Hello Please See Post Cd - Seller-04/08/2026
Ready for Review-Hello Team, I don't see any asset document of XXXX dated 03/09/26 that you mentioned.
We only sent the XXXX statement. Where did you find these documents? - Seller-04/06/2026
Ready for Review-Could you please waive this condition? This loan is rate/term program. - Seller-03/30/2026
Ready for Review-Document Uploaded. Please see the gift letters and final settlement statement. - Seller-03/27/2026

Resolved-Additional Chase statement provided. - Due Diligence Vendor-05/21/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83

LTV is less than guideline maximum - Required is 80 Borrower has 33.49

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 816

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121438

Closed

FCRE9501

2026-03-26 20:10

2026-05-21 14:59

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Updated Chase statement provided. - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Hello please see bank statements - Seller-04/14/2026
Counter-PCCD provided. Please provide the source of the $XXXX Initial Deposit - Due Diligence Vendor-04/10/2026
Ready for Review-Document Uploaded. Please see the PCCD borrower will receive a refund. - Seller-04/08/2026
Counter-Received request to waive condition. Review has confirmed borrower insufficient funds verified for closing and reserves required (loan amount triggers reserves) finding remains. - Due Diligence Vendor-04/01/2026
Ready for Review-Could you please waive this condition? This loan is rate/term program. - Seller-03/30/2026
Counter-Client provided duplicate gift letters. Asset statement reflects those gifts deposited. However missing Feb statement (may reflect monies being sent to title), March short history reflects a small balance. Document proof cash for closing sent to title - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. Please see the gift letters. - Seller-03/27/2026
Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. Lender to provide additional asset documentation to cover the required cash to close. It should be noted that borrower's XXXX reflected a balance of $XXXXon statement dated XXXXXX. However, an updated account printout dated XXXX reflected a balance of only $XXXX. Additionally, a wire receipt from XXXX reflects $XXXwas sent from the same XXXX account ending XXXX. - Due Diligence Vendor-03/27/2026

Ready for Review-Document Uploaded. Hello please see bank statements - Seller-04/14/2026

Ready for Review-Document Uploaded. Please see the PCCD borrower will receive a refund. - Seller-04/08/2026

Ready for Review-Could you please waive this condition? This loan is rate/term program. - Seller-03/30/2026

Ready for Review-Document Uploaded. Please see the gift letters. - Seller-03/27/2026

Resolved-Updated XXXX statement provided. - Due Diligence Vendor-05/21/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121438

Closed

finding-47

2026-03-26 15:53

2026-03-30 11:01

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-03/30/2026

Ready for Review-Document Uploaded. Please see the PCCD. - Seller-03/27/2026

Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/26/2026

Ready for Review-Document Uploaded. Please see the PCCD. - Seller-03/27/2026

Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-03/30/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121438

Closed

FCOM1353

2026-03-25 12:17

2026-03-26 17:24

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000121423

Closed

FCRE5774

2026-03-25 17:51

2026-03-30 16:04

Resolved

1 - Information

Credit

Borrower

Borrower 1 Credit Report is Incomplete

Resolved-Received complete credit report. - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. - Seller-03/26/2026
Open-Borrower 1 Credit Report is Partially Present. Pages 2-5 of the credit report dated XXXX are blank. Please provide a new copy of the original credit report. Additional conditions may apply. - Due Diligence Vendor-03/25/2026

Ready for Review-Document Uploaded. - Seller-03/26/2026

Resolved-Received complete credit report. - Due Diligence Vendor-03/30/2026

Verified employment history exceeds guidelines - Borrower at current employer for 47 months, 24 months employment history required.

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748

Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $8,262.23 in monthly residual income

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121423

Closed

FVAL2477

2026-03-25 17:03

2026-03-30 16:00

Resolved

1 - Information

Property

Appraisal

Appraisal incomplete (missing map, layout, pages, etc.)

Resolved-Received complete appraisal. - Due Diligence Vendor-03/30/2026

Ready for Review-Document Uploaded. - Seller-03/26/2026

Open-Appraisal report in-file incomplete, report images from building sketch through comparable photo pages not present. - Due Diligence Vendor-03/25/2026

Ready for Review-Document Uploaded. - Seller-03/26/2026

Resolved-Received complete appraisal. - Due Diligence Vendor-03/30/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121692

Closed

FCOM5135

2026-03-24 18:12

2026-03-24 18:26

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.29

LTV is less than guideline maximum - Required is 80 Borrower has 63.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000121676

Closed

FCOM5135

2026-03-25 13:30

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.
- Due Diligence Vendor-03/25/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 24.5

LTV is less than guideline maximum - Required is 80 Borrower has 54.95

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000121442

Closed

FCRE1198

2026-03-27 14:23

2026-04-03 13:12

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Received PCCD confirming sufficient reserves available. - Due Diligence Vendor-04/03/2026
Ready for Review-Please refer to the following calculation. [XXXX] < [Cash to Close to borrower] = $XXXXX < $XXXXX- Seller-04/02/2026
Counter-Received PCCD. Reserves remain short by $XXXXX. 3.91 mos verified. - Due Diligence Vendor-04/01/2026
Ready for Review-Document Uploaded. Please review the Post CD - Seller-03/30/2026
Open-Audited Reserves of 3.88 month(s) are less than Guideline Required Reserves of 4 month(s) Provide assets to cover reserve requirement of 4 months - Due Diligence Vendor-03/27/2026

Ready for Review-Please refer to the following calculation. [XXXX] < [Cash to Close to borrower] = $4XXXXX < $XXXXX- Seller-04/02/2026
Ready for Review-Document Uploaded. Please review the Post CD - Seller-03/30/2026

Resolved-Received PCCD confirming sufficient reserves available. - Due Diligence Vendor-04/03/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.74

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122456

Closed

finding-3352

2026-03-27 11:27

2026-08-07 13:25

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-08/07/2026

Months Reserves exceed minimum required - 15 available, 4 required

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.53

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000121683

Closed

FCRE1159

2026-03-27 14:02

2026-03-30 13:21

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-After further review, the loan disbursed XXXX. - Due Diligence Vendor-03/30/2026
Ready for Review-Document Uploaded. Please remove the conditions and review the attached document so the condition. These were initially uploaded with the closing package. page 206 and 322 - Seller-03/30/2026
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date was XXXX, policy to be in effect prior or as of the same date as disbursement - Due Diligence Vendor-03/27/2026

Ready for Review-Document Uploaded. Please remove the conditions and review the attached document so the condition. These were initially uploaded with the closing package. page 206 and 322 - Seller-03/30/2026

Resolved-After further review, the loan disbursed XXXX. - Due Diligence Vendor-03/30/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.81

LTV is less than guideline maximum - Required is 80 Borrower has 60

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122467

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000123425

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

4000124444

Closed

FCRE1316

2026-03-31 11:34

2026-04-20 14:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received pre close VVOE - Due Diligence Vendor-04/20/2026

Ready for Review-Document Uploaded. Please See VVOE - Seller-04/17/2026

Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. Please See VVOE - Seller-04/17/2026

Resolved-Received pre close VVOE - Due Diligence Vendor-04/20/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 778

LTV is less than guideline maximum - Required is 80 Borrower has 75

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122709

Closed

finding-3634

2026-03-31 13:08

2026-04-03 11:16

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/03/2026
Ready for Review-Document Uploaded. We kindly request that this condition be cleared, as the COC form related to the loan discount point increase has already been included in the closing package we submitted (page 251). For your reference, we are resubmitting the TRID section along with the valid COC form. Please review the TRID section carefully, as it is included in the closing package. - Seller-04/02/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $890.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $890.00 Points - Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $890.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/31/2026

Ready for Review-Document Uploaded. We kindly request that this condition be cleared, as the COC form related to the loan discount point increase has already been included in the closing package we submitted (page 251). For your reference, we are resubmitting the TRID section along with the valid COC form. Please review the TRID section carefully, as it is included in the closing package. - Seller-04/02/2026

Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/03/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721

LTV is less than guideline maximum - Required is 80 Borrower has 21.25

Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.47

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000121726

Closed

FCOM5135

2026-03-30 10:11

2026-03-30 10:54

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.
- Due Diligence Vendor-03/30/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 Required is 660 Borrower has 810

LTV is less than guideline maximum - Required is 80 Borrower has 59.47 Required is 80 Borrower has 59.47

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.65 Required is 49.99 Borrower has 35.65

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000122477

Closed

FCRE1506

2026-04-02 12:11

2026-04-17 12:20

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Credit finding has been resolved. - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. Uploaded 1003 is updated. Please see the highlights - Seller-04/14/2026
Counter-Pending outstanding debt documentation finding. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. Please see corrected post 1003 - Seller-04/07/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide letter of explanation for the additional liabilities reflected on the 1003 and documentation to support the additional liabilities reflected on the loan application (XXXX) that are not on the credit report. Additional findings may apply. - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. Uploaded 1003 is updated. Please see the highlights - Seller-04/14/2026

Ready for Review-Document Uploaded. Please see corrected post 1003 - Seller-04/07/2026

Resolved-Credit finding has been resolved. - Due Diligence Vendor-04/17/2026

Months Reserves exceed minimum required - 36.21mos reserves. Per guides, no reserves required

LTV is less than guideline maximum - Required is 80 Borrower has 36.59

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000122477

Closed

FCRE0200

2026-04-03 11:38

2026-04-17 12:19

Resolved

1 - Information

Credit

Debt

Missing proof of liability not disclosed on credit report

Resolved-Received Credit supplement. - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. XXXX were duplicate errors.

The updated 1003 reflect the credit report. - Seller-04/16/2026
Counter-Please provide the documentation of debt not reported on the credit report but included in the DTI. (Statements for (XXXX will be sufficient). - Due Diligence Vendor-04/16/2026
Ready for Review-Document Uploaded. Uploaded 1003 is updated. Please see the highlights - Seller-04/14/2026
Counter-Received duplicate 1003 reflecting noted debt. documentation to support the additional liabilities reflected on the loan application (XXXX) that are not on the credit report. Additional findings may apply. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. Please see corrected post 1003 - Seller-04/07/2026
Open-Provide letter of explanation for the additional liabilities reflected on the 1003 and documentation to support the additional liabilities reflected on the loan application (XXXX) that are not on the credit report. Additional findings may apply. - Due Diligence Vendor-04/03/2026

Ready for Review-Document Uploaded. XXXX were duplicate errors.

The updated 1003 reflect the credit report. - Seller-04/16/2026
Ready for Review-Document Uploaded. Uploaded 1003 is updated. Please see the highlights - Seller-04/14/2026
Ready for Review-Document Uploaded. Please see corrected post 1003 - Seller-04/07/2026

Resolved-Received Credit supplement. - Due Diligence Vendor-04/17/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000122477

Closed

finding-3632

2026-04-01 14:19

2026-04-08 10:08

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-04/08/2026
Ready for Review-Document Uploaded. Please see the post cd - Seller-04/06/2026
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ----- Addressed in XXXX - Due Diligence Vendor-04/01/2026

Ready for Review-Document Uploaded. Please see the post cd - Seller-04/06/2026

Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-04/08/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000122477

Closed

FCOM5135

2026-04-01 13:38

2026-04-01 14:28

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.
- Due Diligence Vendor-04/01/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000121690

Closed

FCOM1353

2026-03-31 13:25

2026-03-31 13:55

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/31/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.69

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000121690

Closed

FCOM5135

2026-03-31 13:25

2026-03-31 13:41

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/31/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.69

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000122486

Closed

FCRE1503

2026-04-02 07:55

2026-08-07 11:14

Resolved

1 - Information

Credit

QM-ATR

ATR: The Lender did not document all ATR Factors

Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-08/07/2026
Resolved-Received final title confirm solar is not collateralized. - Due Diligence Vendor-04/17/2026
Ready for Review-Please find the attached final title policy. The solar is owned free and clear. - Seller-04/16/2026
Counter-Received preliminary title. Pending confirmation solar is owned free and clear. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. - Seller-04/06/2026
Open-ATR: The Lender did not document all ATR Factors Missing solar documentation to determine compliance with XXXX Guide Section B2-XXXX. Guidelines defer to XXXX. Appraisal reviewed as owned solar per sales comparison grid. No UCC noted on title. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-04/02/2026

Ready for Review-Please find the attached final title policy. The solar is owned free and clear. - Seller-04/16/2026

Ready for Review-Document Uploaded. - Seller-04/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781

LTV is less than guideline maximum - Required is 80 Borrower has 48.5 Required is 80 Borrower has 48.5

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.66 Required is 49.99 Borrower has 41.66

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122486

Closed

FCRE0110

2026-04-02 07:51

2026-04-17 16:45

Resolved

1 - Information

Credit

Eligibility

Missing or incomplete documentation for Solar Panels

Resolved-Received final title confirming no collateral or UCCD - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. Please find the attached final title policy. The solar is owned free and clear. - Seller-04/16/2026
Counter-Received preliminary title. Missing confirmation solar is owned free and clear. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. No solar lien on the title. Please review again and clear this condition. - Seller-04/06/2026
Open-Missing solar documentation to determine compliance with XXXX Guide Section B2-XXXX. Guidelines defer to Fannie Mae. Appraisal reviewed as owned solar per sales comparison grid. No UCC noted on title. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Please find the attached final title policy. The solar is owned free and clear. - Seller-04/16/2026

Ready for Review-Document Uploaded. No solar lien on the title. Please review again and clear this condition. - Seller-04/06/2026

Resolved-Received final title confirming no collateral or UCCD - Due Diligence Vendor-04/17/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122486

Closed

FCRE0970

2026-04-02 06:47

2026-04-09 12:30

Resolved

1 - Information

Credit

Eligibility

Appraisal has issues (credit)

Resolved-The subject is a detached condo. XXXX requires the general description info and HOA info, which was provided. - Due Diligence Vendor-04/09/2026
Ready for Review-It's a detached condo. Please review again and clear this condition. - Seller-04/06/2026
Open-Appraiser to address the project information section of appraisal that shows # of units, # of units completed, # of units sold, # of units rented and # of owner occupied unites as as unknown. Additional findings may apply. - Due Diligence Vendor-04/02/2026

Ready for Review-It's a detached condo. Please review again and clear this condition. - Seller-04/06/2026

Resolved-The subject is a detached condo. XXXX requires the general description info and HOA info, which was provided. - Due Diligence Vendor-04/09/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122486

Closed

FCRE9501

2026-04-02 07:41

2026-04-07 16:12

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-PCCD provided with $XXXXX cash-in-hand. - Due Diligence Vendor-04/07/2026
Ready for Review-Document Uploaded. Please find the attached PCCD - Seller-04/06/2026
Open-Total Qualified Assets Post-Close amount is '$XXXXX'. Assets are Insufficient. No asset documentation presented in file. 1003 notes XXXX gift; however, missing gift letter, verification of donor availability of funds and transfer of gift funds. Additional findings may apply. - Due Diligence Vendor-04/02/2026

Ready for Review-Document Uploaded. Please find the attached PCCD - Seller-04/06/2026

Resolved-PCCD provided with $XXXXX cash-in-hand. - Due Diligence Vendor-04/07/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122486

Closed

FCOM1353

2026-04-01 12:23

2026-04-01 12:37

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client/Originator) waiver applied to non-material Findings. - Due Diligence Vendor-04/01/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000122257

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

4000122490

Closed

FCRE1506

2026-04-10 10:16

2026-05-01 10:46

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received gift letter. - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Uploaded. See Gift Letter. - Seller-04/29/2026
Counter-Received copy of Wire in the amount of $XXXXX from XXXX. Missing Gift Letter in same amount. Other conditions may apply - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. Uploaded. Please see wire receipt. - Seller-04/20/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Gift letter and proof wire transfer in the amount of $XXK listed on Final 1003. Borr short -$XXXXX funds to close and required reserves. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. Uploaded. See Gift Letter. - Seller-04/29/2026

Ready for Review-Document Uploaded. Uploaded. Please see wire receipt. - Seller-04/20/2026

Resolved-Received gift letter. - Due Diligence Vendor-05/01/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.61

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122490

Closed

FCRE1198

2026-04-10 10:25

2026-05-01 10:45

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Received gift letter. - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Uploaded. See Gift Letter. - Seller-04/29/2026
Counter-Received copy of Wire in the amount of $XXXX from XXXX. Missing Gift Letter in same amount. Other conditions may apply - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. Uploaded. Please see wire receipt. - Seller-04/20/2026
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. Uploaded. See Gift Letter. - Seller-04/29/2026

Ready for Review-Document Uploaded. Uploaded. Please see wire receipt. - Seller-04/20/2026

Resolved-Received gift letter. - Due Diligence Vendor-05/01/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.61

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122490

Closed

FCRE9501

2026-04-10 10:06

2026-05-01 10:45

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Received Gift letter and proof of receipt. - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Uploaded. See Gift Letter. - Seller-04/29/2026
Counter-Received copy of Wire in the amount of $XXXXX from XXXX. Missing Gift Letter in same amount. Other conditions may apply - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. Uploaded. Please see wire receipt. - Seller-04/20/2026
Open-Total Qualified Assets Post-Close amount is '$-XXXXX. Assets are Insufficient. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. Uploaded. See Gift Letter. - Seller-04/29/2026

Ready for Review-Document Uploaded. Uploaded. Please see wire receipt. - Seller-04/20/2026

Resolved-Received Gift letter and proof of receipt. - Due Diligence Vendor-05/01/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.61

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122490

Closed

FCOM5135

2026-04-09 09:34

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.61

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000127430

Closed

FCRE1205

2026-04-10 14:24

2026-05-04 11:16

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Received Fraud report w/XXXX Check Completed and Cleared - Due Diligence Vendor-05/04/2026
Ready for Review-Please see the fraud report - Seller-04/30/2026
Counter-Management approval provided, please provide the full fraud report. - Due Diligence Vendor-04/29/2026
Ready for Review-Document Uploaded. - Seller-04/27/2026
Counter-Alerts Summary provided, please provide the Full Fraud Report and Management approval as the score is over 800. - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. please see the fraud report - Seller-04/15/2026
Open-Missing XXXX Report and XXXX Check Not Completed and/or Cleared - Due Diligence Vendor-04/10/2026

Ready for Review-Please see the fraud report - Seller-04/30/2026

Ready for Review-Document Uploaded. - Seller-04/27/2026

Ready for Review-Document Uploaded. please see the fraud report - Seller-04/15/2026

Resolved-Received Fraud report w/ XXXX Check Completed and Cleared - Due Diligence Vendor-05/04/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.98

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 770

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127430

Closed

FCRE1201

2026-04-10 14:24

2026-05-04 11:16

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Received Fraud Report. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Please see the fraud report. - Seller-04/30/2026

Counter-Management approval provided, please provide the full fraud report. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-04/27/2026

Counter-Received closing documents. Please provide Fraud Report and Management acknowledgement of score. - Due Diligence Vendor-04/24/2026

Ready for Review-Document Uploaded. Please see the letter. - Seller-04/22/2026

Counter-Alerts Summary provided, please provide the Full Fraud Report and Management approval as the score is over 800. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. please see the fraud report - Seller-04/15/2026

Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. Please see the fraud report. - Seller-04/30/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-04/27/2026

Ready for Review-Document Uploaded. Please see the letter. - Seller-04/22/2026

Ready for Review-Document Uploaded. please see the fraud report - Seller-04/15/2026

Resolved-Received Fraud Report. - Due Diligence Vendor-05/04/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000123305

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000122472

Closed

FCOM5135

2026-04-14 12:00

2026-04-14 12:50

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026

LTV is less than guideline maximum - Required is 80 Borrower has 48.37 Required is 80 Borrower has 48.37

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.71 Required is 49.99 Borrower has 26.71

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790 Required is 660 Borrower has 790

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000122722

Closed

FCRE1206

2026-04-17 08:23

2026-04-23 14:29

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Received updated Fraud report adding sellers, title co and title agent. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. - Seller-04/20/2026

Open-All Interested Parties Not Checked with Exclusionary Lists sellers, title company - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. - Seller-04/20/2026

Resolved-Received updated Fraud report adding sellers, title co and title agent. - Due Diligence Vendor-04/21/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.75

LTV is less than guideline maximum - Required is 80 Borrower has 61.54

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122722

Closed

FCRE1204

2026-04-17 08:23

2026-04-23 14:29

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received Fraud report w/All Fraud Report Alerts cleared. - Due Diligence Vendor-04/23/2026
Ready for Review-Document Uploaded. - Seller-04/22/2026
Counter-Fraud Report provided to clear LDP/EPLS dated XXXX reflects 5 high alerts. Fraud Report attached to this condition only reflects 4 High Alerts. Score did not change after review and clear was completed. Check for 5th high alert and repull please - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. - Seller-04/20/2026
Open-Fraud Report Shows Uncleared Alerts high alerts for occupancy & undisclosed debt and income employment do not reflect as cleared. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. - Seller-04/22/2026

Ready for Review-Document Uploaded. - Seller-04/20/2026

Resolved-Received Fraud report w/All Fraud Report Alerts cleared. - Due Diligence Vendor-04/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122722

Closed

FCOM5135

2026-04-15 10:30

2026-04-15 10:51

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Title fees are in section B and SPL shows title company is N for affiliate. - Due Diligence Vendor-04/15/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

N/A

XXXX

4000123502

Closed

FCRE1183

2026-04-15 16:53

2026-05-05 11:00

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Partially Provided

Resolved-Received corrected 1008 - Due Diligence Vendor-05/05/2026
Ready for Review-Document Uploaded. Hello,

I attach the updated 1008.

Thank you, - Seller-05/03/2026
Counter-Received correct final 1003. Please provide correct final 1008 - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Hello,

Sorry for the issue and I attach the updated 1003.

Thank you, - Seller-04/30/2026
Counter-Received business bank statement analysis. Missing correct 1003 reflecting total accurate qualifying income and 1008. (income appears to be doubled on most recent 1003) - Due Diligence Vendor-04/29/2026
Ready for Review-Document Uploaded. Hello,

I attach documents for XXXX.

Thank you,
- Seller-04/28/2026
Counter-Received bank statement analysis for another accoun XXXX Please clarify as business account received and reviewed was xx8390 - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. Hello,

I attach the Income Calculation Sheet.

Thank you, - Seller-04/15/2026
Open-Please provide correct calculation for income/DTI. 1008 provided is incorrect. - Due Diligence Vendor-04/15/2026

Ready for Review-Document Uploaded. Hello,

I attach the updated 1008.

Thank you, - Seller-05/03/2026
Ready for Review-Document Uploaded. Hello,

Sorry for the issue and I attach the updated 1003.

Thank you, - Seller-04/30/2026
Ready for Review-Document Uploaded. Hello,

I attach documents for 8390.

Thank you,
- Seller-04/28/2026
Ready for Review-Document Uploaded. Hello,

I attach the Income Calculation Sheet.

Thank you, - Seller-04/15/2026

Resolved-Received corrected 1008 - Due Diligence Vendor-05/05/2026

LTV is less than guideline maximum - Required is 75 Borrower has 46.82

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.27

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

N/A

XXXX

4000123502

Closed

FCOM5135

2026-04-14 13:02

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

Originator Post-Close

XXXX

4000124830

Closed

FCRE9501

2026-04-17 12:01

2026-05-04 12:10

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Received PCCD. - Due Diligence Vendor-05/04/2026
Ready for Review-Document Uploaded. Please see the PCCD - Seller-04/30/2026
Counter-Received Final Settlement Statement. Please provide PCCD for review. additional conditions may apply - Due Diligence Vendor-04/30/2026
Ready for Review-Document Uploaded. Please see the final settlement statement. - Seller-04/28/2026
Counter-Received final title policy. Please provide additional assets as review reflects $XXX short verified funds to close (2 gifts received considered) - Due Diligence Vendor-04/27/2026
Ready for Review-Document Uploaded. Please see policy that shows XXXX - Seller-04/23/2026
Open-short funds to close. no additional assets located in file. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. Please see the PCCD - Seller-04/30/2026
Ready for Review-Document Uploaded. Please see the final settlement statement. - Seller-04/28/2026
Ready for Review-Document Uploaded. Please see policy that shows XXXX - Seller-04/23/2026

Resolved-Received PCCD. - Due Diligence Vendor-05/04/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36

LTV is less than guideline maximum - Required is 80 Borrower has 51.35

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124830

Closed

FCRE1148

2026-04-17 10:20

2026-04-27 12:04

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Received updated preliminary title, uploaded in another condition, reflecting sufficient coverage. - Due Diligence Vendor-04/27/2026

Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/17/2026

Resolved-Received updated preliminary title, uploaded in another condition, reflecting sufficient coverage. - Due Diligence Vendor-04/27/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129725

Closed

FCRE1506

2026-04-17 17:20

2026-08-06 11:27

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received CPA Letter confirming transfers are all business income - not transfers from Borrower's own accounts - Due Diligence Vendor-04/22/2026

Counter-Pending additional documentation supporting income via transfers. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. accountant letter explaining transfers - Seller-04/20/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending verification of business bank statement transfers are self employed income related. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. accountant letter explaining transfers - Seller-04/20/2026

Resolved-Received CPA Letter confirming transfers are all business income - not transfers from Borrower's own accounts - Due Diligence Vendor-04/22/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129725

Closed

FCRE1342

2026-04-17 16:23

2026-04-22 09:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Received CPA Letter confirming transfers are all business income - not transfers from Borrower's own accounts - Due Diligence Vendor-04/22/2026

Counter-Received accountant letter and is insufficient. Please provide acceptable supporting documentation transfers are income based. Invoices and narrative. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. accountant explaining transfers - Seller-04/20/2026

Open-Borrower 1 Business Bank Statements Missing Provide documentation/verification that transfers were business related in 12 month business bank statements, all income appears to be transfers, additional findings may apply. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. accountant explaining transfers - Seller-04/20/2026

Resolved-Received CPA Letter confirming transfers are all business income - not transfers from Borrower's own accounts - Due Diligence Vendor-04/22/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129725

Closed

FCRE1248

2026-04-17 18:47

2026-04-21 14:23

Resolved

1 - Information

Credit

Eligibility

Non-Arm's Length Transactions Not Allowed for Program

Resolved-After furth review, the guides state an acceptable non arms length is a renter purchasing from landlord and 12 months cancelled checks are required. Lender provided confirmation via XXXX bill pay printout confirming rent payment from XXXX through XXXX. - Due Diligence Vendor-04/21/2026
Counter-Review did not received Lease agreement for subject property. - Due Diligence Vendor-04/21/2026
Ready for Review-Document Uploaded. The borrower was renting the property and then purchase it; this is not a non-arm’s length transaction. 12 months verification of rental payments were provided. - Seller-04/20/2026
Open-Non-Arm's Length Transactions Not Allowed for Program - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. The borrower was renting the property and then purchase it; this is not a non-arm’s length transaction. 12 months verification of rental payments were provided. - Seller-04/20/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129725

Closed

FCRE1325

2026-04-17 16:23

2026-04-21 14:03

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Tax preparer letter provided as required by the guides. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. tax preparer - Seller-04/20/2026

Open-Borrower 1 CPA Letter Missing CPA letter provided does not indicate if CPA, tax preparer, etc. and verification of CPA not provided, additional findings may apply. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. tax preparer - Seller-04/20/2026

Resolved-Tax preparer letter provided as required by the guides. - Due Diligence Vendor-04/21/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129725

Closed

FCRE1345

2026-04-17 16:23

2026-04-21 13:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Lease Agreements Missing

Resolved-Rent credit addendum tot he COS provided. There is no rent credit for the lease option. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. The lease agreement/option to purchase was amended to remove the rent credits
See attached addendum with regard to the rent credit/concession replacement. - Seller-04/20/2026

Open-Borrower 1 Lease Agreements Missing Provide lease indicating option to purchase in order to give rent credit, additional findings may apply. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. The lease agreement/option to purchase was amended to remove the rent credits
See attached addendum with regard to the rent credit/concession replacement. - Seller-04/20/2026

Resolved-Rent credit addendum tot he COS provided. There is no rent credit for the lease option. - Due Diligence Vendor-04/21/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129725

Closed

FCRE1316

2026-04-17 16:23

2026-04-21 11:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received VVOE for each borrower. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. VOE - Seller-04/20/2026

Open-Borrower 1 3rd Party VOE Prior to Close Missing , document provided does not indicate ownership, additional findings may apply. - Due Diligence Vendor-04/17/2026

Ready for Review-Document Uploaded. VOE - Seller-04/20/2026

Resolved-Received VVOE for each borrower. - Due Diligence Vendor-04/21/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125915

Closed

FCRE1205

2026-05-14 10:58

2026-06-02 16:31

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Lender provided updated Fraud Report including Title Company and Seller in XXXX and Interested Party searches. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Seller-05/27/2026
Counter-Guidelines require confirmation if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are on any of the following lists:
- General Services Administration (GSA) Excluded Party List
- HUD Limited Denial of Participation List (LDP List)
- XXXX List
- XXXX Exclusionary List - Due Diligence Vendor-05/19/2026
Ready for Review-Document Uploaded. the XXXX check is not required for this file, as confirmed by the provided XXXX documentation. Based on this please clear this condition - Seller-05/19/2026
Open-OFAC Check Not Completed and/or Cleared for the Title Company and the Seller. (All parties of the transaction need to been cleared). - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. - Seller-05/27/2026
Ready for Review-Document Uploaded. the XXXX check is not required for this file, as confirmed by the provided XXXX documentation. Based on this please clear this condition - Seller-05/19/2026

Resolved-Lender provided updated Fraud Report including Title Company and Seller in XXXX and Interested Party searches. - Due Diligence Vendor-05/28/2026

Verified employment history exceeds guidelines - Borrower has been with employer for 7 years.

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125915

Closed

FCRE1198

2026-05-13 22:00

2026-05-19 13:37

Resolved

1 - Information

Credit

Eligibility

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

Resolved-After further review- 4 mos P&I reserve requirement has been met. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. please find attached the post-CD reflecting the final settlement statement, which shows sufficient deposits to cover 4 months of reserves. Based on this, please clear this condition. - Seller-05/19/2026

Open-Audited Reserves of 3.76 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. please find attached the post-CD reflecting the final settlement statement, which shows sufficient deposits to cover 4 months of reserves. Based on this, please clear this condition. - Seller-05/19/2026

Resolved-After further review- 4 mos P&I reserve requirement has been met. - Due Diligence Vendor-05/19/2026

Verified employment history exceeds guidelines - Borrower has been with employer for 7 years.

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125190

Closed

FCRE1204

2026-04-21 11:15

2026-04-30 11:48

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received XXXX clearances. - Due Diligence Vendor-04/30/2026
Ready for Review-Document Uploaded. Please see the search results. - Seller-04/28/2026
Counter-Received master settlement statement. Please provide XXXX clearance for borrower and title agent. - Due Diligence Vendor-04/27/2026
Ready for Review-Document Uploaded. Please see the final settlement. There was a deposit for $XXXXX- Seller-04/23/2026
Open-Fraud Report Shows Uncleared Alerts Missing copies of XXXX searches to clear high alerts for borrower and escrow officer. - Due Diligence Vendor-04/21/2026

Ready for Review-Document Uploaded. Please see the search results. - Seller-04/28/2026
Ready for Review-Document Uploaded. Please see the final settlement. There was a deposit for $XXXXX - Seller-04/23/2026

Resolved-Received XXXX clearances. - Due Diligence Vendor-04/30/2026

LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.07 Required is 49.99 Borrower has 40.07

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725 Required is 660 Borrower has 725

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125190

Closed

FCOM5135

2026-04-20 19:28

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-04/20/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000124833

Closed

FCOM5135

2026-04-17 13:58

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.02

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000124841

Closed

FCRE1316

2026-04-21 22:52

2026-04-30 11:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received CPA confirmation no phone number necessary. - Due Diligence Vendor-04/30/2026
Ready for Review-Document Uploaded. Per their CPA the business is currently active and fully operational. XXXX business and does not require public listing showing its phone number. - Seller-04/28/2026
Counter-Received business address validation. Missing business phone number. Per guidelines business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-04/27/2026
Ready for Review-Document Uploaded. Please see the XXXX search results. - Seller-04/23/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE provided however, missing required business number search. Per guidelines business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-04/22/2026

Ready for Review-Document Uploaded. Per their CPA the business is currently active and fully operational. XXXX is a dental business and does not require public listing showing its phone number. - Seller-04/28/2026
Ready for Review-Document Uploaded. Please see the XXXX search results. - Seller-04/23/2026

Resolved-Received CPA confirmation no phone number necessary. - Due Diligence Vendor-04/30/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.18

LTV is less than guideline maximum - Required is 80 Borrower has 62.35

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122302

Closed

FCRE5782

2026-04-22 16:07

2026-04-29 13:20

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received credit refresh. - Due Diligence Vendor-04/29/2026
Ready for Review-Document Uploaded. Uploaded. See credit refresh. - Seller-04/27/2026
Counter-Received expired credit refresh dated XXXX. Please provide credit refresh within 10 days of Note date - Due Diligence Vendor-04/27/2026
Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-04/23/2026
Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/22/2026

Ready for Review-Document Uploaded. Uploaded. See credit refresh. - Seller-04/27/2026

Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-04/23/2026

Resolved-Received credit refresh. - Due Diligence Vendor-04/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.85

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124840

Closed

FCRE1202

2026-04-23 18:29

2026-04-30 12:28

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received management acknowledgment - Due Diligence Vendor-04/30/2026
Ready for Review-Document Uploaded. Please see the letter - Seller-04/28/2026
Open-Third Party Fraud Report Partially Provided • XXXX scores above 800 from XXXX - missing require management review and approval by the
• Underwriting Manager in order to proceed with the loan.
- Due Diligence Vendor-04/23/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-04/28/2026

Resolved-Received management acknowledgment - Due Diligence Vendor-04/30/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.68

LTV is less than guideline maximum - Required is 80 Borrower has 74.93

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 776

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124840

Closed

FCOM5135

2026-04-23 07:50

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000126719

Closed

FCRE1342

2026-05-18 17:45

2026-05-22 08:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Received XXXX Search of Business. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. please see the attachment - Seller-05/20/2026
Open-Borrower 1 Business Bank Statements Missing Business Bank statements provided - however, missing business number search, business phone number must be verifiable via XXXX Search, XXXX or internet. - Due Diligence Vendor-05/18/2026

Ready for Review-Document Uploaded. please see the attachment - Seller-05/20/2026

Resolved-Received XXXX Search of Business. - Due Diligence Vendor-05/22/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 21.98

LTV is less than guideline maximum - Required is 80 Borrower has 52.38

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000127437

Closed

FCOM5135

2026-04-24 11:18

2026-08-07 12:33

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-08/07/2026

Open-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-04/24/2026

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-08/07/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 Required is 660 Borrower has 769

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.93 Required is 49.99 Borrower has 39.93

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000127437

Closed

FCRE1198

2026-04-28 12:47

2026-05-05 15:39

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-05/05/2026
Ready for Review-Document Uploaded. Apologies for the incorrect upload.
Based on the final Final Settlement Statement and Post CD, the available reserves are $XXXXXXX = [(4 * Subject_P&I)], and the required reserves are $XXXX = [(4 * SUBJECT_P&I)].
Therefore, the assets, including reserves, are sufficient to cover the required reserves.
Could you please review and assist in clearing this condition? - Seller-05/03/2026
Counter-Received asset documentation for a different borrower. Please provide sufficient reserves for borrower. - Due Diligence Vendor-04/30/2026
Ready for Review-Document Uploaded. Based on the asset documentation, the mutual funds balance of $XXXXXX and the cash gift of $XXXX0 are sufficient to satisfy the required reserves of [(XXXX)]=$XXXXX, which represents 4 months of the subject P&I.

Could you please kindly re-review this and assist in clearing the condition accordingly? - Seller-04/29/2026
Open-Audited Reserves of 3.73 month(s) are less than Guideline Required Reserves of 4 month(s) Per guidelines, need to document sufficient funds to close plus 4 months P&I reserves. - Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. Apologies for the incorrect upload.
Based on the final Final Settlement Statement and Post CD, the available reserves are $XXXXX = [(XXXX)], and the required reserves are $XXXXX = [(XXXX)].
Therefore, the assets, including reserves, are sufficient to cover the required reserves.
Could you please review and assist in clearing this condition? - Seller-05/03/2026
Ready for Review-Document Uploaded. Based on the asset documentation, the mutual funds balance of $XXXX and the cash gift of $XXXXare sufficient to satisfy the required reserves of [(XXXX)]=$XXXX, which represents 4 months of the subject P&I.

Could you please kindly re-review this and assist in clearing the condition accordingly? - Seller-04/29/2026

Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-05/05/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000127437

Closed

FCOM9998

2026-04-24 11:41

2026-04-29 12:38

Resolved

1 - Information

Compliance

TRID

Closing Disclosure Issue

Resolved-Received fee clarification. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. The Final CD reflects the Loan Origination fee as borrower-paid, not lender-paid. The initial Loan Estimate already discloses the Loan Origination fee as paid by the borrower. (If this fee were lender-paid, it would not be disclosed on the A section)

Could you please re-review this again and clear the condition accordingly?

Thank you. - Seller-04/29/2026

Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/24/2026

Ready for Review-Document Uploaded. The Final CD reflects the Loan Origination fee as borrower-paid, not lender-paid. The initial Loan Estimate already discloses the Loan Origination fee as paid by the borrower. (If this fee were lender-paid, it would not be disclosed on the A section)

Could you please re-review this again and clear the condition accordingly?

Thank you. - Seller-04/29/2026

Resolved-Received fee clarification. - Due Diligence Vendor-04/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000123420

Closed

FCRE1202

2026-04-27 13:50

2026-05-01 12:02

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received acknowledgment of fraud score. - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Please see the letter - Seller-04/29/2026
Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-04/29/2026

Resolved-Received acknowledgment of fraud score. - Due Diligence Vendor-05/01/2026

Months Reserves exceed minimum required - 24.05mos reserves. Per guides, 4 reserves required

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1480

2026-04-27 12:17

2026-05-28 13:40

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Received gift letter matching remitter. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Please See Gift Letter. of XXXX - Seller-05/27/2026
Counter-Review did not receive gift letter from donor noted on escrow receipt. Please address original finding. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See gift letters - Seller-05/08/2026
Open-Asset Record 2 Does Not Meet G/L Requirements Missing Gift Letter from Donor XXXX in the amount of XXXX. Escrow receipt of wire transfer in-file appears funds received from Donor on behalf of Borr. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See Gift Letter. of XXXX - Seller-05/27/2026
Ready for Review-Document Uploaded. Please See gift letters - Seller-05/08/2026

Resolved-Received gift letter matching remitter. - Due Diligence Vendor-05/28/2026

LTV is less than guideline maximum - Required is 75 Borrower has 70

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.91

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1506

2026-04-27 12:28

2026-05-28 13:39

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received gift letters - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Please See 40k Gift letter - Seller-05/27/2026
Counter-Missing XXXX gift letter. - Due Diligence Vendor-05/19/2026
Ready for Review-Document Uploaded. Please see the letters - Seller-05/15/2026
Counter-Received 6 gift letters. Missing receipt of funds. Missing gift letters for XXXX or confirmation only 6 gift considered. - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Please see the signed gift letters, let me know if there is an asset that still requires a verification. - Seller-04/29/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Donor Gift Letters, 8 wire transfers made to closing documented in file from individuals made on behalf of the Borr. Per guides XXXX; A signed gift letter from a donor who is related to the borrower stating repayment not required. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See XXXX Gift letter - Seller-05/27/2026
Ready for Review-Document Uploaded. Please see the letters - Seller-05/15/2026
Ready for Review-Document Uploaded. Please see the signed gift letters, let me know if there is an asset that still requires a verification. - Seller-04/29/2026

Resolved-Received gift letters - Due Diligence Vendor-05/28/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1485

2026-04-27 12:17

2026-05-19 15:01

Resolved

1 - Information

Credit

Assets

Asset 7 Does Not Meet Guideline Requirements

Resolved-Received gift letter - Due Diligence Vendor-05/19/2026
Counter-Review did not receive gift letter from donor noted on escrow receipt. Please address original finding. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See Gift letters - Seller-05/08/2026
Open-Asset 7 Does Not Meet Guideline Requirements Missing Gift Letter from Donor XXXX in the amount of XXXX. Escrow receipt of wire transfer in-file appears funds received from Donor on behalf of Borr. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See Gift letters - Seller-05/08/2026

Resolved-Received gift letter - Due Diligence Vendor-05/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1486

2026-04-27 12:17

2026-05-19 15:01

Resolved

1 - Information

Credit

Assets

Asset 8 Does Not Meet Guideline Requirements

Resolved-Received Gift Letter. - Due Diligence Vendor-05/19/2026
Counter-Review did not receive gift letter from donor noted on escrow receipt. Please address original finding. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See Gift letters - Seller-05/08/2026
Open-Asset 8 Does Not Meet Guideline Requirements Missing Gift Letter from Donor XXXX in the amount of XXXX. Escrow receipt of wire transfer in-file appears funds received from Donor on behalf of Borr. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See Gift letters - Seller-05/08/2026

Resolved-Received Gift Letter. - Due Diligence Vendor-05/19/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1484

2026-04-27 12:17

2026-05-12 11:05

Resolved

1 - Information

Credit

Assets

Asset 6 Does Not Meet Guideline Requirements

Resolved-Received gift letter. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See Gift letters - Seller-05/08/2026
Open-Asset 6 Does Not Meet Guideline Requirements Missing Gift Letter from Donor XXXX in the amount of XXXX. Escrow receipt of wire transfer in-file appears funds received from Donor on behalf of Borr. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See Gift letters - Seller-05/08/2026

Resolved-Received gift letter. - Due Diligence Vendor-05/12/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1483

2026-04-27 12:17

2026-05-12 11:04

Resolved

1 - Information

Credit

Assets

Asset 5 Does Not Meet Guideline Requirements

Resolved-Received gift letter. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See gift lettera - Seller-05/08/2026
Open-Asset 5 Does Not Meet Guideline Requirements Missing Gift Letter from Donor XXXX in the amount of XXXX. Escrow receipt of wire transfer in-file appears funds received from Donor on behalf of Borr. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See gift lettera - Seller-05/08/2026

Resolved-Received gift letter. - Due Diligence Vendor-05/12/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1482

2026-04-27 12:17

2026-05-12 11:02

Resolved

1 - Information

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Received gift letter. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See Gift Letters - Seller-05/08/2026
Open-Asset 4 Does Not Meet Guideline Requirements Missing Gift Letter from Donor XXXX (Non-Borr Title Holder) in the amount of XXXX. Escrow receipt of wire transfer in-file appears funds received from Donor on behalf of Borr. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. Please See Gift Letters - Seller-05/08/2026

Resolved-Received gift letter. - Due Diligence Vendor-05/12/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000124824

Closed

FCRE1202

2026-04-27 11:17

2026-05-01 11:54

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Ready for Review-Document Uploaded. Please see the letter - Seller-04/29/2026

Resolved-Received acknowledgment of fraud score. - Due Diligence Vendor-05/01/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129724

Closed

FCRE7009

2026-04-27 13:13

2026-04-29 16:15

Resolved

1 - Information

Credit

Insurance

Hazard insurance dwelling coverage is not sufficient

Resolved-Received confirmation from insurer replacement cost. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. enclosed email from insurance agent was in our file... this email acknowledged that the insurance has 100% replacement - Seller-04/28/2026

Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. enclosed email from insurance agent was in our file... this email acknowledged that the insurance has 100% replacement - Seller-04/28/2026

Resolved-Received confirmation from insurer replacement cost. - Due Diligence Vendor-04/29/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.15

LTV is less than guideline maximum - LTV 75% max 85%. Required is 85 Borrower has 75

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129724

Closed

finding-3634

2026-04-24 16:36

2026-04-29 10:24

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/29/2026
Ready for Review-Document Uploaded. please note that all of our disclosures showed a "second appraisal fee" (of XXXX) ... the loan did not have a second appraisal and instead had the LOWER appraisal review CDA for XXXX - Seller-04/28/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $XXX (Appraisal Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $165, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX.
- Due Diligence Vendor-04/24/2026

Ready for Review-Document Uploaded. please note that all of our disclosures showed a "second appraisal fee" (of XXXX) ... the loan did not have a second appraisal and instead had the LOWER appraisal review CDA for XXXX - Seller-04/28/2026

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129727

Closed

FCRE8201

2026-04-28 10:07

2026-08-07 15:55

Resolved

1 - Information

Credit

Eligibility

Loan does not conform to program guidelines

Resolved-File contains 11 months bank statement from LLC and 1 statement from the corp. CPA letter confirms Borrower 100% owner of both businesses. Upon further review no additional documentation required.
- Due Diligence Vendor-08/07/2026

Open-File contains 11 months bank statement from LLC and 1 statement from the corp. Originator exception granted to allow 11 months of bank statements.
- Due Diligence Vendor-08/07/2026

Qualifying DTI below maximum allowed - DTI 9.98 max 50%. Required is 50 Borrower has 9.98

Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746 min score 660. Required is 660 Borrower has 746

LTV is less than guideline maximum - LTV 60% max 85%. Required is 85 Borrower has 60

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129727

Closed

FCRE1506

2026-04-28 12:52

2026-05-21 15:09

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received HOI for 3a and 3c - Due Diligence Vendor-04/29/2026

Ready for Review-pls advise what is being requested, this is a bank stmt loan, loan was delivered with 12 month business bank stmts. - Seller-04/28/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents. - Due Diligence Vendor-04/28/2026

Ready for Review-pls advise what is being requested, this is a bank stmt loan, loan was delivered with 12 month business bank stmts. - Seller-04/28/2026

Resolved-Received HOI for 3a and 3c - Due Diligence Vendor-04/29/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129727

Closed

FCRE7497

2026-04-28 09:46

2026-04-29 16:49

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received HOI for 3a and 3c - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. - Seller-04/28/2026

Open-Missing verification of insurance for REO 3a & REO 3c. - Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. - Seller-04/28/2026

Resolved-Received HOI for 3a and 3c - Due Diligence Vendor-04/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129727

Closed

FCRE1510

2026-04-28 12:38

2026-04-29 16:40

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received confirmation B2 is non titled. - Due Diligence Vendor-04/29/2026

Ready for Review-per guidelines only one borrower has to be present on mortgage. pls waive invalid stip. TY - Seller-04/28/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Note and file reflects two borrower's only B1 signed the mortgage. - Due Diligence Vendor-04/28/2026

Ready for Review-per guidelines only one borrower has to be present on mortgage. pls waive invalid stip. TY - Seller-04/28/2026

Resolved-Received confirmation B2 is non titled. - Due Diligence Vendor-04/29/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125720

Closed

FCOM5135

2026-04-28 13:25

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/28/2026

LTV is less than guideline maximum - Required is 80 Borrower has 55.97

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.61

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000123302

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

4000125178

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000124819

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

4000123422

Closed

FCRE1198

2026-05-01 13:58

2026-05-05 12:43

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 4.33 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/05/2026
Open-Audited Reserves of 3.9 month(s) are less than Guideline Required Reserves of 4 month(s) Subject primary purchase loan XXXX / LTV 80%. Borr short reserve funds -$XXXX (3.9mos verified), 4mos reserves required (XXXX). Per guides XXXX; LTV > 75% or Loan balance > $XM: 4 months P&I - Due Diligence Vendor-05/01/2026

Resolved-Audited Reserves of 4.33 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 747

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000123422

Closed

finding-3617

2026-04-28 14:29

2026-05-05 10:55

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Funding Date Validation Test

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/05/2026
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/01/2026
Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Settlement statement in file dated XXXX. Missing PCCD on same date.. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/01/2026

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.39

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 747

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125715

Closed

finding-3630

2026-04-28 16:18

2026-05-05 10:40

Resolved

1 - Information

Compliance

TRID

TRID "Section H. Other" Validation Test

Resolved-Received PCCD XXXX removing fee from Section H. Finding Resolved. - Due Diligence Vendor-05/05/2026
Ready for Review-Document Uploaded. - Seller-05/03/2026
Open-This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate.Per the Official Interpretations to Regulation Z: The items listed under the heading of "Other Costs" pursuant to §1026.37(g) include services that are ancillary to the creditor's decision to evaluate the collateral and the consumer for the loan. The amounts disclosed for these items are: Established by government action; determined by standard calculations applied to ongoing fixed costs; or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Except for prepaid interest under §1026.37(g)(2)(iii), or charges for optional credit insurance provided by the creditor, the creditor does not retain any of the amounts or portions of the amounts disclosed as other costs. ----- Final CD and PCCD Section H shows Principal Reduction Fee paid by borrower to lender. Please provide PCCD reflecting principal reduction as credit to borrower. - Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. - Seller-05/03/2026

Resolved-Received PCCD XXXX removing fee from Section H. Finding Resolved. - Due Diligence Vendor-05/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.94

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000125715

Closed

FCOM5135

2026-04-28 15:56

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/28/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.94

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000125177

Closed

FCOM5135

2026-04-28 14:02

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789 Required is 660 Borrower has 789

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.05 Required is 49.99 Borrower has 41.05

LTV is less than guideline maximum - Required is 80 Borrower has 50 Required is 80 Borrower has 50

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125181

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

4000126711

Closed

FPRO1255

2026-05-01 20:22

2026-05-05 11:09

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA Questionnaire. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Hello,

I attach the HOA Questionnaire Document.

Thank you, - Seller-05/04/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-05/02/2026

Ready for Review-Document Uploaded. Hello,

I attach the HOA Questionnaire Document.

Thank you, - Seller-05/04/2026

Resolved-Received HOA Questionnaire. - Due Diligence Vendor-05/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788

LTV is less than guideline maximum - Required is 80 Borrower has 50.54

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000126711

Closed

FCOM5135

2026-04-29 13:33

2026-04-30 12:49

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-04/30/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788

LTV is less than guideline maximum - Required is 80 Borrower has 50.54

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000127130

Closed

FCRE1176

2026-05-04 05:47

2026-05-06 15:37

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX HO-6 Insurance Policy Effective Date of XXXX is the disbursement date of PCCD XXXX - Due Diligence Vendor-05/06/2026
Ready for Review-Document Uploaded. Please note that the final disbursement date (Funding Date) was actually XXXX, which matches the insurance effective date.

I have attached the PCCD as evidence to confirm the actual funding date. Since there is no gap in coverage between the funding and the insurance effective date, could you please claer this condition? - Seller-05/05/2026
Open-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX The Final disbursement date was XXXX, Note date XXXX, the loan file is absent HO-6 Policy effective on Note ate or final disbursement date. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Please note that the final disbursement date (Funding Date) was actually XXXX, which matches the insurance effective date.

I have attached the PCCD as evidence to confirm the actual funding date. Since there is no gap in coverage between the funding and the insurance effective date, could you please claer this condition? - Seller-05/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.58

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127130

Closed

FCRE1158

2026-05-04 05:47

2026-05-06 15:37

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Received HO6 reflecting policy number. - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. - Seller-05/06/2026

Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided missing policy number - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. - Seller-05/06/2026

Resolved-Received HO6 reflecting policy number. - Due Diligence Vendor-05/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.58

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127130

Closed

FCRE1325

2026-05-04 06:02

2026-05-05 13:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-After further review, the individual that prepared the CPA letter is an IRS enrolled agent, which is allowed per guides. - Due Diligence Vendor-05/05/2026

Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-05/04/2026

Resolved-After further review, the individual that prepared the CPA letter is an IRS enrolled agent, which is allowed per guides. - Due Diligence Vendor-05/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.58

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127130

Closed

FCOM5135

2026-04-29 13:29

2026-04-30 07:57

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.58

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125182

Closed

finding-3352

2026-04-28 16:53

2026-08-07 13:28

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-08/07/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.03

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125182

Closed

FCRE1173

2026-04-30 13:41

2026-05-04 11:37

Resolved

1 - Information

Credit

Missing Doc

Condo Master Insurance Policy is Missing

Resolved-Received Master Policy. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Uploaded. See Master Condo Policy. - Seller-04/30/2026

Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-04/30/2026

Ready for Review-Document Uploaded. Uploaded. See Master Condo Policy. - Seller-04/30/2026

Resolved-Received Master Policy. - Due Diligence Vendor-05/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.03

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125182

Closed

FPRO1255

2026-04-30 13:32

2026-05-04 11:36

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Uploaded. See Condo Questionnaire. - Seller-04/30/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-04/30/2026

Ready for Review-Document Uploaded. Uploaded. See Condo Questionnaire. - Seller-04/30/2026

Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.03

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125182

Closed

finding-3617

2026-04-28 16:53

2026-05-04 08:52

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Funding Date Validation Test

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/04/2026
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/30/2026
Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing.
- Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/30/2026

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.03

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125716

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000125183

Closed

finding-3352

2026-04-28 13:46

2026-08-07 13:39

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved- Loan contains full appraisal and escrows, meeting HPML compliance.
- Due Diligence Vendor-08/07/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/28/2026

Resolved- Loan contains full appraisal and escrows, meeting HPML compliance.
- Due Diligence Vendor-08/07/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714

LTV is less than guideline maximum - Required is 75 Borrower has 70

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.17

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125183

Closed

FCRE1509

2026-04-29 11:02

2026-05-12 11:24

Resolved

1 - Information

Credit

Closing

Issues exist on the Note Document

Resolved-Received corrected Note reflecting correct ARM change date. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please See the correct NOTE. - Seller-05/09/2026
Counter-Based on the Note, the first rate change date is XXXX, which allows for a 61 month initial fixed rate period. The initial rate change date should be XXXX, which allows for an ARM initial fixed rate period of 60 months, with a first payment change date of XXXX. - Due Diligence Vendor-05/05/2026
Ready for Review-Hello. Please kindly clarify the condition below. Loan Program XXXX and First Change - beginning of 61st month. Thank you. - Seller-05/01/2026
Open-There are Issues Present on the Note that must be addressed. -----ARM Initial Fixed Rate Period is showing 61 months. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. Please See the correct NOTE. - Seller-05/09/2026
Ready for Review-Hello. Please kindly clarify the condition below. Loan Program XXXX and First Change - beginning of 61st month. Thank you. - Seller-05/01/2026

Resolved-Received corrected Note reflecting correct ARM change date. - Due Diligence Vendor-05/12/2026

XXXX

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125183

Closed

FCRE5782

2026-04-29 14:44

2026-05-01 12:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received credit refresh. - Due Diligence Vendor-05/01/2026

Ready for Review-Document Uploaded. Provided. Soft Pull. - Seller-04/30/2026

Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. Provided. Soft Pull. - Seller-04/30/2026

Resolved-Received credit refresh. - Due Diligence Vendor-05/01/2026

XXXX

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125183

Closed

FCOM5135

2026-04-28 13:28

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings - Due Diligence Vendor-04/28/2026

QM: Higher Priced APOR (APOR HP)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000127129

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000126713

Closed

FCOM5135

2026-04-29 10:49

2026-04-29 11:16

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-04/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.85

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000126707

Closed

FCRE8611

2026-05-04 09:10

2026-05-06 12:28

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Received validation of business phone number. - Due Diligence Vendor-05/06/2026
Ready for Review-Document Uploaded. - Seller-05/04/2026
Open-Missing verification of business phone number via XXXX Search, XXXX or internet - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. - Seller-05/04/2026

Resolved-Received validation of business phone number. - Due Diligence Vendor-05/06/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 15.84

LTV is less than guideline maximum - Required is 80 Borrower has 55.94

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000126707

Closed

FCOM5135

2026-04-29 13:14

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-04/29/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125878

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

4000125176

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

XXXX

4000128740

Closed

FCRE1206

2026-05-04 08:28

2026-05-06 13:07

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Received XXXX and XXXX clearance on non-borrowing spouse. - Due Diligence Vendor-05/06/2026
Ready for Review-Document Uploaded. - Seller-05/05/2026
Open-All Interested Parties Not Checked with Exclusionary Lists The non-borrowing spouse that is vested in title was not run through any exclusionary lists including XXXX. Additional findings may apply. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. - Seller-05/05/2026

Resolved-Received XXXX and XXXX clearance on non-borrowing spouse. - Due Diligence Vendor-05/06/2026

LTV is less than guideline maximum - Required is 80 Borrower has 74.29

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.21

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125717

Closed

FCRE1316

2026-05-05 11:45

2026-05-22 10:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received CPA letter who confirms borrowers business phone number will not be listed. He has confirmed SE. Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the cpa letter - Seller-05/20/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing Business phone number verification via XXXX Search, XXXX or internet is required - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Please see the cpa letter - Seller-05/20/2026

LTV is less than guideline maximum - Required is 80 Borrower has 65

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 24.07

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125717

Closed

FCRE1506

2026-05-05 10:43

2026-05-15 12:33

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received current rent free letter completing 12 month history. - Due Diligence Vendor-05/15/2026
Ready for Review-Please see the letter - Seller-05/14/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide housing history or living rent free letter for current primary residence. File contains living rent free letter from prior primary until XXXX. Additional findings may apply. - Due Diligence Vendor-05/05/2026

Ready for Review-Please see the letter - Seller-05/14/2026

Resolved-Received current rent free letter completing 12 month history. - Due Diligence Vendor-05/15/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125717

Closed

FCRE1440

2026-05-05 10:25

2026-05-15 12:32

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received current rent free letter completing 12 month history. - Due Diligence Vendor-05/15/2026
Ready for Review-Document Uploaded. Please see the letter - Seller-05/14/2026
Open-Housing History Does Not Meet Guideline Requirements Missing housing history from XXXX to present, rent free letter only covers up to this date.. Additional findings may apply. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-05/14/2026

Resolved-Received current rent free letter completing 12 month history. - Due Diligence Vendor-05/15/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125717

Closed

FCRE1204

2026-05-05 11:39

2026-05-15 12:29

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received confirmation all high alerts cleared on fraud report. - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. Please see the cleared report. - Seller-05/14/2026

Open-Fraud Report Shows Uncleared Alerts Missing social security number verification to clear high alert. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Please see the cleared report. - Seller-05/14/2026

Resolved-Received confirmation all high alerts cleared on fraud report. - Due Diligence Vendor-05/15/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127879

Closed

FCOM5135

2026-04-30 13:08

2026-04-30 13:24

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026

Qualifying DTI below maximum allowed - DTI = 45.38% - Max DTI = 49.99%

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000127897

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000127898

Closed

FCRE1506

2026-05-29 20:13

2026-06-10 15:40

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received renewal master insurance - Due Diligence Vendor-06/10/2026
Ready for Review-Document Uploaded. Please see attached - Seller-06/09/2026
Counter-Master Policy for Attached PUD expired XXXX, loan closed XXXX. Provide updated policy - Due Diligence Vendor-06/03/2026
Ready for Review-HO6 is not required as the master policy is walls in. - Seller-06/01/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Hazard Insurance Policy - Due Diligence Vendor-05/30/2026

Ready for Review-Document Uploaded. Please see attached - Seller-06/09/2026

Ready for Review-HO6 is not required as the master policy is walls in. - Seller-06/01/2026

Resolved-Received renewal master insurance - Due Diligence Vendor-06/10/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 14.74

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790

LTV is less than guideline maximum - Required is 80 Borrower has 59.52

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127898

Closed

FCRE1157

2026-05-29 19:33

2026-06-10 15:40

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/03/2026

Ready for Review-Document Uploaded. HO6 is not required as the master policy is walls in. - Seller-06/01/2026

Open-Missing Hazard Insurance Policy. Provide a copy of the Homeowners Insurance Policy. Additional findings may apply. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. HO6 is not required as the master policy is walls in. - Seller-06/01/2026

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/03/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127898

Closed

FCRE1325

2026-05-29 19:50

2026-06-05 15:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received CPA verification. - Due Diligence Vendor-06/05/2026

Ready for Review-Document Uploaded. - Seller-06/04/2026

Counter-Unable to locate the active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA). Finding remains - Due Diligence Vendor-06/03/2026

Ready for Review-Document Uploaded. I can clearly see the information on page 98 on my end. Could you please double-check if it is still missing on your screen? - Seller-06/02/2026

Counter-Page 98 corresponds to appraisal pictures. verification of CPA license was not located at that page. Please upload - Due Diligence Vendor-06/02/2026

Ready for Review-Document Uploaded. It is already included in the package. Please refer to page 98 of the package highlighted on the screenshot. - Seller-06/01/2026

Open-Borrower 1 CPA Letter Missing. CPA letter not verified. Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer.
- Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. - Seller-06/04/2026

Ready for Review-Document Uploaded. I can clearly see the information on page 98 on my end. Could you please double-check if it is still missing on your screen? - Seller-06/02/2026

Ready for Review-Document Uploaded. It is already included in the package. Please refer to page 98 of the package highlighted on the screenshot. - Seller-06/01/2026

Resolved-Received CPA verification. - Due Diligence Vendor-06/05/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127898

Closed

FCOM0014

2026-05-29 20:08

2026-06-03 12:01

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. - Seller-06/01/2026
Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of Appraisal (completed XXXX) being received 3 or more days prior to closing (Note XXXX) was not met. - Due Diligence Vendor-05/30/2026

Ready for Review-Document Uploaded. - Seller-06/01/2026

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/03/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127877

Closed

FCRE1480

2026-05-26 17:00

2026-06-04 11:48

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-After further review, although printout dated XXXX for XXXX reflects $XX deposit as gift (this was handwritten on printout)- Lender confirmed that there is no Gift for this transaction and as sourcing for large deposits is not required per G/L- no addtl documentation required. - Due Diligence Vendor-06/04/2026
Counter-Received rebuttal. Printout dated XXXX for XXXX reflects $XXk deposit as gift. Provide gift letter and donor documentation. - Due Diligence Vendor-06/03/2026
Ready for Review-This is a XXXX loan and we don't need to source any large deposit. Please disregard the note on the bank statement. - Seller-06/02/2026
Counter-Printout dated XXXX for XXXX reflects $XX deposit as gift. Provide gift letter and donor documentation. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. There are no Gift. Please see attached Post 1003 - Seller-05/28/2026
Open-Asset Record 2 Does Not Meet G/L Requirements Missing gift letter for $XXXXand evidence of transfer of gift from donor to borrower - Due Diligence Vendor-05/26/2026

Ready for Review-This is a XXXX loan and we don't need to source any large deposit. Please disregard the note on the bank statement. - Seller-06/02/2026
Ready for Review-Document Uploaded. There are no Gift. Please see attached Post 1003 - Seller-05/28/2026

Resolved-After further review, although printout dated XXXX for XXXX reflects $10k deposit as gift (this was handwritten on printout)- Lender confirmed that there is no Gift for this transaction and as sourcing for large deposits is not required per G/L- no addtl documentation required. - Due Diligence Vendor-06/04/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.78

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710

LTV is less than guideline maximum - Required is 80 Borrower has 60

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127877

Closed

FPRO1255

2026-05-26 09:27

2026-05-29 15:38

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA questionnaire - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. - Seller-05/28/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. - Seller-05/28/2026

Resolved-Received HOA questionnaire - Due Diligence Vendor-05/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000127134

Closed

FCRE1193

2026-05-05 17:22

2026-05-28 13:19

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Received correct 1003 and 1008 with income matching calculation worksheets. Received full leases for multi unit property. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Seller-05/26/2026
Open-Audited DTI of 51.47% exceeds Guideline DTI of 49.99% Audit DTI 51.47%. Per guides XXXX; Maximum DTI ratios are 49.99%. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. - Seller-05/26/2026

Resolved-Received correct 1003 and 1008 with income matching calculation worksheets. Received full leases for multi unit property. - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

Months Reserves exceed minimum required - 4 months required - have 12.63 months

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000127134

Closed

FCRE1503

2026-05-05 17:44

2026-05-28 13:17

Resolved

1 - Information

Credit

QM-ATR

ATR: The Lender did not document all ATR Factors

Resolved-Received correct 1003 and 1008 with income matching calculation worksheets. Received full leases for multi unit property. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Please review the updated rental income and lease agreement. - Seller-05/26/2026
Open-ATR: The Lender did not document all ATR Factors Lender 1008/Final 1003 reflect B1 base income of XXXX however, WVOE/Lender income worksheet calculated Base income of XXXX. No documentation in file to support 1008/Final 1003 Base income. Additional findings may apply. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Please review the updated rental income and lease agreement. - Seller-05/26/2026

Resolved-Received correct 1003 and 1008 with income matching calculation worksheets. Received full leases for multi unit property. - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

Months Reserves exceed minimum required - 4 months required - have 12.63 months

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000127134

Closed

FCRE1506

2026-05-05 17:44

2026-05-28 13:17

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received correct 1003 and 1008 with income matching calculation worksheets. Received full leases for multi unit property. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Seller-05/26/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documentation to support B1 Base income of XXXX. DTI exceeds DTI maximum. Additional findings may apply. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. - Seller-05/26/2026

Resolved-Received correct 1003 and 1008 with income matching calculation worksheets. Received full leases for multi unit property. - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

Months Reserves exceed minimum required - 4 months required - have 12.63 months

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000127134

Closed

FCRE1510

2026-04-30 15:36

2026-05-07 12:47

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Upon further review, original package contained complete security instrument with legal description attached. - Due Diligence Vendor-05/07/2026

Ready for Review-Please refer to the page 487 in the "UPLOADED PACKAGE". It is already included. - Seller-05/06/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. MISSING LEGAL DESCRIPTION (EXHIBIT A) OF PROPERTY - Due Diligence Vendor-04/30/2026

Ready for Review-Please refer to the page 487 in the "UPLOADED PACKAGE". It is already included. - Seller-05/06/2026

Resolved-Upon further review, original package contained complete security instrument with legal description attached. - Due Diligence Vendor-05/07/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

Months Reserves exceed minimum required - 4 months required - have 12.63 months

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000127134

Closed

FCOM5135

2026-04-30 16:07

2026-05-01 06:49

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-04/30/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

Months Reserves exceed minimum required - 4 months required - have 12.63 months

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000127134

Closed

FCOM1267

2026-05-01 06:49

Waived

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Partially Provided

Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Partial Homeownership Counseling places provided. Originator waiver applied to non-material findings. - Due Diligence Vendor-05/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

Months Reserves exceed minimum required - 4 months required - have 12.63 months

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000127132

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000125175

Closed

FCRE5782

2026-05-01 17:35

2026-05-05 13:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-After further review, the gap report is in the loan file. - Due Diligence Vendor-05/05/2026
Ready for Review-Clear Request: Email - Seller-05/05/2026
Open-Borrower 1 Gap Credit Report is Missing-Per guides-Soft‐pull credit report require in compliance with XXXX to determine if the borrower may have taken out new credit prior to closing. - Due Diligence Vendor-05/01/2026

Ready for Review-Clear Request: Email - Seller-05/05/2026

Resolved-After further review, the gap report is in the loan file. - Due Diligence Vendor-05/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.06

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125175

Closed

FCOM5135

2026-04-30 16:48

2026-05-01 12:07

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.06

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125719

Closed

FCOM5135

2026-05-04 15:35

2026-05-04 15:42

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-05/04/2026

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.62

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125165

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000126716

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000124835

Closed

FCOM5135

2026-05-05 13:34

2026-05-05 14:52

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings
- Due Diligence Vendor-05/05/2026

LTV is less than guideline maximum - Required is 80 Borrower has 41.47

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.24

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 768

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000127885

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000127886

Closed

FCOM5135

2026-05-04 12:21

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/04/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812

LTV is less than guideline maximum - Required is 85 Borrower has 80

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125172

Closed

FCOM5135

2026-05-04 12:38

2026-05-04 21:37

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026

LTV is less than guideline maximum - Required is 80 Borrower has 54.94

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.02

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000128772

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000128811

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000124831

Closed

FCOM1267

2026-05-05 15:37

Waived

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Partially Provided

Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) Originator waiver applied to non-material findings - Due Diligence Vendor-05/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.51

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000125884

Closed

FCOM5135

2026-05-06 15:05

2026-05-06 15:35

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-05/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721

LTV is less than guideline maximum - Required is 80 Borrower has 70

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000129272

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

4000129515

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000129266

Closed

FPRO1255

2026-05-13 12:27

2026-05-26 13:56

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received annual budget for condo Type S New Condo - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. I've attached the Condo Wrranty and Condo budget. Could you please review and assist in clearing the condition? thank you - Seller-05/22/2026
Counter-Received CPM reflecting not approved nor review by XXXX. Condo is not eligible for limited review. Please provide budget and Condo warranty - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. I've attached the CPM and updated 1008. Please review and assist in clearing the condition. thank you! - Seller-05/18/2026
Counter-Received HOA questionnaire reflecting builder in control with turnover date XXXX. Condo is not eligible for limited review. Please provide budget and Condo warranty or XXXX CPM confirming approved and updated 1008. - Due Diligence Vendor-05/15/2026
Ready for Review-Document Uploaded. I've attached the HOA Questionnaire. Please review and assist in clearing the condition. Thank you - Seller-05/14/2026
Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Questionnaire. - Due Diligence Vendor-05/13/2026

Ready for Review-Document Uploaded. I've attached the Condo Wrranty and Condo budget. Could you please review and assist in clearing the condition? thank you - Seller-05/22/2026

Ready for Review-Document Uploaded. I've attached the CPM and updated 1008. Please review and assist in clearing the condition. thank you! - Seller-05/18/2026

Ready for Review-Document Uploaded. I've attached the HOA Questionnaire. Please review and assist in clearing the condition. Thank you - Seller-05/14/2026

Resolved-Received annual budget for condo Type S New Condo - Due Diligence Vendor-05/26/2026

Months Reserves exceed minimum required - 8.83mos reserves. Per guides, 4 reserves required

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129266

Closed

FCOM5135

2026-05-11 10:46

2026-05-11 10:52

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/11/2026

Months Reserves exceed minimum required - 8.83mos reserves. Per guides, 4 reserves required

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000122720

Closed

FCRE1507

2026-05-14 20:30

2026-05-20 13:59

Resolved

1 - Information

Credit

QM-ATR

Discrepancy between Originator QM Status and Final QM Status

Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. Please see the updated QM report. - Seller-05/18/2026

Open-The Originator QM Status is not the same as the Final QM Status. QM points and fees exceeded. - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. Please see the updated QM report. - Seller-05/18/2026

Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-05/20/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

LTV is less than guideline maximum - Required is 80 Borrower has 56.5

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122720

Closed

FCRE9501

2026-05-14 18:58

2026-05-20 13:58

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Received PCCD reflecting gift of equity. - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. Please see the postCD.
Gift of equity - Seller-05/18/2026
Open-Total Qualified Assets Post-Close amount is '$XXXXXX'. Assets are Insufficient. . - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Please see the postCD.
Gift of equity - Seller-05/18/2026

Resolved-Received PCCD reflecting gift of equity. - Due Diligence Vendor-05/20/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

LTV is less than guideline maximum - Required is 80 Borrower has 56.5

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122720

Closed

finding-3634

2026-05-13 10:20

2026-05-19 16:40

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.42.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received copy of COC for increase in fees. finding Resolved. - Due Diligence Vendor-05/19/2026
Ready for Review-Document Uploaded. Please see the COC - Seller-05/18/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $634.66.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXX (Points-Discount Fee) without a valid COC in file. Credit report fee increase of .42 due to rounding. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $634.24, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-05/13/2026

Ready for Review-Document Uploaded. Please see the COC - Seller-05/18/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

LTV is less than guideline maximum - Required is 80 Borrower has 56.5

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122720

Closed

FCRE1440

2026-05-14 19:41

2026-05-19 15:49

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received acceptable VOR - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the VOR - Seller-05/18/2026

Open-Housing History Does Not Meet Guideline Requirements Missing VOR - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Please see the VOR - Seller-05/18/2026

Resolved-Received acceptable VOR - Due Diligence Vendor-05/19/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

LTV is less than guideline maximum - Required is 80 Borrower has 56.5

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122720

Closed

FCOM5135

2026-05-13 10:00

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/13/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749

LTV is less than guideline maximum - Required is 80 Borrower has 56.5

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000126701

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000129506

Closed

FCRE1198

2026-05-19 13:33

2026-05-29 12:45

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Received title receipt of gift funds reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the receipt - Seller-05/27/2026
Counter-Received XXXX gift letter, however missing title receipt of gift funds. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the gift letter - Seller-05/21/2026
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Please provide additional assets to cover 4 months reserves requirement. Additional conditions may apply, pending review. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the receipt - Seller-05/27/2026

Ready for Review-Document Uploaded. Please see the gift letter - Seller-05/21/2026

Resolved-Received title receipt of gift funds reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810

On time mortgage history exceeds guideline requirement - Borrower has 0x30x29 months mortgage history, guides allow up to 1x30x12 months.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129506

Closed

FCRE9501

2026-05-19 13:25

2026-05-29 12:45

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Received title receipt of gift funds reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the receipt - Seller-05/27/2026
Counter-Received XXXX gift letter, however missing title receipt of gift funds. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the gift letter - Seller-05/21/2026
Open-Total Qualified Assets Post-Close amount is '$XXXXX Assets are Insufficient. Assets in file do not cover closing costs. Please provide additional assets to cover the shortage. Additional conditions may apply, pending review. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the receipt - Seller-05/27/2026

Ready for Review-Document Uploaded. Please see the gift letter - Seller-05/21/2026

Resolved-Received title receipt of gift funds reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000122476

Closed

FCRE1205

2026-05-19 11:40

2026-05-22 16:14

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Received XXXX clearance. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2026
Open-XXXX Check Not Completed and/or Cleared for the borrowers business. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2026

Resolved-Received XXXX clearance. - Due Diligence Vendor-05/22/2026

On time mortgage history exceeds guideline requirement - Housing History reporting since 05/01/2019 is greater than the minimum 12 months required

LTV is less than guideline maximum - Required is 80 Borrower has 56.02

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797

Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.82

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122476

Closed

FCOM5135

2026-05-15 12:52

2026-05-15 21:16

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-05/15/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000126699

Closed

FCRE5786

2026-05-19 19:32

2026-05-26 11:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Incomplete

Resolved-Received Gap Report. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the gap report - Seller-05/21/2026

Open-Borrower 1 Gap Credit Report is Partially Present. Missing a complete Gap Report. A refreshed full merge report was provided instead of full refresh credit report . - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the gap report - Seller-05/21/2026

Resolved-Received Gap Report. - Due Diligence Vendor-05/26/2026

LTV is less than guideline maximum - Required is 80 Borrower has 74.68

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000126699

Closed

FCRE1325

2026-05-19 19:12

2026-05-26 11:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received EA verification. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the EA search results - Seller-05/21/2026

Open-Borrower 1 CPA Letter Missing. Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the EA search results - Seller-05/21/2026

Resolved-Received EA verification. - Due Diligence Vendor-05/26/2026

LTV is less than guideline maximum - Required is 80 Borrower has 74.68

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000126699

Closed

FCOM5135

2026-05-18 09:36

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings - Due Diligence Vendor-05/18/2026

LTV is less than guideline maximum - Required is 80 Borrower has 74.68

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 760

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000128749

Closed

FCRE1440

2026-05-19 18:13

2026-05-26 11:44

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received Note and PITIA verification for XXXX. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the final cd and the note.
Loan is impounded - Seller-05/21/2026
Open-Housing History Does Not Meet Guideline Requirements Missing VOM, taxes, insurance, and/or HOA used for REO 3F full PITIA reflected on Final 1003 as new XXXX. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the final cd and the note.
Loan is impounded - Seller-05/21/2026

Resolved-Received Note and PITIA verification for XXXX. - Due Diligence Vendor-05/26/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710

Months Reserves exceed minimum required - 55.71mos reserves. Per guides RED 10/15/25, 6 reserves required

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000128749

Closed

FCRE7497

2026-05-19 18:57

2026-05-26 11:43

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received PITIA for 3b. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the screen shot of the final cd for the property 3b - Seller-05/21/2026

Open-Missing information used for taxes for REO 3B. Documentation in file does not reflect total used to qualify on final 1003. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see the screen shot of the final cd for the property 3b - Seller-05/21/2026

Resolved-Received PITIA for 3b. - Due Diligence Vendor-05/26/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000129273

Closed

FCRE7806

2026-05-20 12:39

2026-05-21 12:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Bank Statement Summary/Lender Worksheet is Missing

Resolved-After further review, the income calc is in the loan file. - Due Diligence Vendor-05/21/2026

Ready for Review-Clear Request (Email): The Income Calculation Worksheet is on page 113 (Closing Package). - Seller-05/21/2026

Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Bank Statement income worksheet. - Due Diligence Vendor-05/20/2026

Ready for Review-Clear Request (Email): The Income Calculation Worksheet is on page 113 (Closing Package). - Seller-05/21/2026

Resolved-After further review, the income calc is in the loan file. - Due Diligence Vendor-05/21/2026

LTV is less than guideline maximum - Required is 80 Borrower has 68.7

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.52

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000129273

Closed

FCOM1353

2026-05-18 15:43

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000129273

Closed

FCOM5135

2026-05-18 15:43

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000130017

Closed

FCRE1316

2026-05-20 16:25

2026-05-26 10:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received CPA letter. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the letter. Borrower is self employed - Seller-05/21/2026

Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE within 10 days of closing. - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. Please see the letter. Borrower is self employed - Seller-05/21/2026

Resolved-Received CPA letter. - Due Diligence Vendor-05/26/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741

Long term residence - Borrower has 0x30x20 months rental history, guides allow up to 1x30x12 months.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129511

Closed

FCRE1159

2026-05-22 12:36

2026-05-28 13:27

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-PCCD received and disbursement date of XXXX confirms acceptable HOI - Due Diligence Vendor-05/28/2026
Ready for Review-The actual disbursement date was XXXX (Please see PCCD in the uploaded package). Since the insurance was effective on XXXX, the property was fully covered at closing. Please remove this condition. - Seller-05/26/2026
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-05/22/2026

Ready for Review-The actual disbursement date was XXXX (Please see PCCD in the uploaded package). Since the insurance was effective on XXXX, the property was fully covered at closing. Please remove this condition. - Seller-05/26/2026

Resolved-PCCD received and disbursement date of XXXX confirms acceptable HOI - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 772

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.13

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129511

Closed

finding-3625

2026-05-20 16:38

2026-05-27 14:19

Resolved

1 - Information

Compliance

TRID

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

Resolved-Received PCCD correcting payee in section B. Finding Resolved. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. - Seller-05/26/2026
Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(MERS Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. - Seller-05/26/2026

Resolved-Received PCCD correcting payee in section B. Finding Resolved. - Due Diligence Vendor-05/27/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 772

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.13

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125167

Closed

FCRE1506

2026-05-21 16:00

2026-05-28 11:07

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/26/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Gap Credit Report. Additional conditions may apply, pending review. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/26/2026

Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.29

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810

LTV is less than guideline maximum - Required is 75 Borrower has 43.59

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000125167

Closed

FCRE5782

2026-05-20 22:20

2026-05-27 13:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/26/2026

Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/26/2026

Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000125167

Closed

FCOM1271

2026-05-19 13:35

2026-05-26 10:52

Resolved

1 - Information

Compliance

Missing Doc

CHARM Booklet is Missing

Resolved-Received copy CHARM Booklet. Finding Resolved - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see attached - Seller-05/26/2026

Open-CHARM Booklet is Missing -----CHARM Booklet is Missing from loan file. Please provide. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Please see attached - Seller-05/26/2026

Resolved-Received copy CHARM Booklet. Finding Resolved - Due Diligence Vendor-05/26/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000125167

Closed

finding-3352

2026-05-19 13:55

2026-05-22 10:42

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/22/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/19/2026

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/22/2026

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000128766

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

4000130246

Closed

FCRE1325

2026-05-22 13:40

2026-06-01 15:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received CPA verification. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Hello,

I sincerely apologize for not providing the XXXX earlier. Please find the document attached to this email.

Thank you, - Seller-05/28/2026
Counter-Received confirmation no relationship from tax preparer. Missing XXXX license validation. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Hello,

I attach the CPA Letter (No Relationship)

Thank you, - Seller-05/26/2026
Open-Borrower 1 CPA Letter Missing CPA Letter is in the file. However, missing third party verification of the CPA and as CPA and borrower have same last name, need CPA to clarify if there is any family/familiar relationship. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Hello,

I sincerely apologize for not providing the XXXX earlier. Please find the document attached to this email.

Thank you, - Seller-05/28/2026
Ready for Review-Document Uploaded. Hello,

I attach the CPA Letter (No Relationship)

Thank you, - Seller-05/26/2026

Resolved-Received CPA verification. - Due Diligence Vendor-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.15

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130011

Closed

FPRO1135

2026-05-20 19:45

2026-06-04 14:43

Resolved

1 - Information

Property

Appraisal

Primary Value Valuation Date is after the Note Date

Resolved-Received appraisal report with license. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. I've attached the updated appraisal report. Please refer to page 26 of the updated appraisal, which includes the appraiser's license covering the appraisal effective date of XXXX. Please review and assist in clearing the condition. thank you! - Seller-06/02/2026
Counter-Received license dated XXXX and XXXX. Appraiser to provide license covering effective date of XXXX - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. I've re-uploaded the updated appraisal report. the updated license has been added on page 26. please review and assist in clearing the condition. thank you! - Seller-05/28/2026
Counter-Received appraisal reflecting effective date of XXXX. Missing copy of appraisers licenses. In file copy reflects XXXX date. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. the updated appraisal with desk review is attached for review.
The appraisal has been corrected to accurately reflect the As Of Date of XXXX. Additionally, the Effective Date of the Appraisal has been updated and correctly reflects XXXX.
Please review the updated appraisal and assist in clearing this condition. Thank you! - Seller-05/25/2026
Open-Primary Value Valuation Date of XXXX is after the Note Date of XXXX Appraisal in file effective date XXXX and date of signature/report XXXX. It appears the effective date was in entered in error. Appraisal Desk Review report in-file dated XXXX with Appraisal under review effective date XXXX and date of report XXXX. Same Appraiser appears on both reports. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. I've attached the updated appraisal report. Please refer to page 26 of the updated appraisal, which includes the appraiser's license covering the appraisal effective date of XXXX. Please review and assist in clearing the condition. thank you! - Seller-06/02/2026
Ready for Review-Document Uploaded. I've re-uploaded the updated appraisal report. the updated license has been added on page 26. please review and assist in clearing the condition. thank you! - Seller-05/28/2026
Ready for Review-Document Uploaded. the updated appraisal with desk review is attached for review.
The appraisal has been corrected to accurately reflect the As Of Date of XXXX. Additionally, the Effective Date of the Appraisal has been updated and correctly reflects XXXX.
Please review the updated appraisal and assist in clearing this condition. Thank you! - Seller-05/25/2026

Resolved-Received appraisal report with license. - Due Diligence Vendor-06/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.93

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130011

Closed

FCRE1506

2026-05-20 20:31

2026-05-29 16:01

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received PCCD reflecting charge-off paid. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. I've attached the updated PCCD based on the final Statement. Please review and assist in clearing the condition. thank you! - Seller-05/28/2026
Counter-Pending receipt of updated PCCD reflecting items paid. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. I've attached the Final Settlement Statement reflecting that the XXXX charge-off account XXXX in the amount of $4,302 was paid through escrow prior to closing. Please review and assist in clearing the condition. Thank you - Seller-05/25/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing evidence charge-off from XXXX in the amount of $4302, paid prior to closing. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. I've attached the updated PCCD based on the final Statement. Please review and assist in clearing the condition. thank you! - Seller-05/28/2026
Ready for Review-Document Uploaded. I've attached the Final Settlement Statement reflecting that the XXXX charge-off account XXXX in the amount of $XXXXXwas paid through escrow prior to closing. Please review and assist in clearing the condition. Thank you - Seller-05/25/2026

Resolved-Received PCCD reflecting charge-off paid. - Due Diligence Vendor-05/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.93

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130011

Closed

FCRE6666

2026-05-20 19:45

2026-05-27 14:34

Resolved

1 - Information

Credit

Missing Doc

Secondary Valuation product is dated prior to the Appraisal date

Resolved-Received secondary valuation and primary correct appraisal. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. the attached updated appraisal reflects the correct Effective Date of XXXX. The Date of Signature and Report Date is XXXX.
The appraisal desk review was completed based on the updated appraisal and is consistent with the corrected appraisal dates. Accordingly, the appraisal effective date is properly reflected as XXXX, and the Date of Signature and Report Date are properly reflected as XXXX6.
Please review the updated appraisal and supporting desk review documentation and assist in clearing this condition. Thank you - Seller-05/25/2026
Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Appraisal Desk Review report dated XXXX with Appraisal under review effective date XXXX and date of report XXXX. Appraisal in file effective date XXXX and date of signature/report XXXX - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. the attached updated appraisal reflects the correct Effective Date of XXXX. The Date of Signature and Report Date is XXXX.
The appraisal desk review was completed based on the updated appraisal and is consistent with the corrected appraisal dates. Accordingly, the appraisal effective date is properly reflected as XXXX, and the Date of Signature and Report Date are properly reflected as XXXX.
Please review the updated appraisal and supporting desk review documentation and assist in clearing this condition. Thank you - Seller-05/25/2026

Resolved-Received secondary valuation and primary correct appraisal. - Due Diligence Vendor-05/27/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.93

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130278

Closed

FCOM5135

2026-05-20 07:59

2026-05-20 11:53

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.27

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000122724

Closed

FCRE9550

2026-05-22 16:11

2026-06-11 15:44

Resolved

1 - Information

Credit

Debt

Missing Supporting Credit Documents

Resolved-Received LOE confirming intent to retain property. - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded. Please see the letter - Seller-06/10/2026
Counter-Received LOE stating borrower did not list property. According to appraiser property was listed XXXX. Per title borrower acquired property XXXX. Please verify and if appraiser incorrect please update appraisal. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. please see the letter - Seller-05/28/2026
Open-Missing a signed statement from the borrower indicating their intent to retain the property. Need this as the property was recently listed. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-06/10/2026

Ready for Review-Document Uploaded. please see the letter - Seller-05/28/2026

Resolved-Received LOE confirming intent to retain property. - Due Diligence Vendor-06/11/2026

LTV is less than guideline maximum - Required is 75 Borrower has 65.99

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.95

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122724

Closed

FCRE1325

2026-05-22 15:38

2026-05-29 13:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received validation of EA license - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. Please see the search result - Seller-05/27/2026

Open-Borrower 1 CPA Letter Missing The CPA letter is in the file. However, missing third party verification of the CPA - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Please see the search result - Seller-05/27/2026

Resolved-Received validation of EA license - Due Diligence Vendor-05/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000122724

Closed

FCRE5790

2026-05-22 15:49

2026-05-29 13:09

Resolved

1 - Information

Credit

Closing

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

Resolved-Received credit refresh - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. - Seller-05/28/2026

Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit report expired (Greater than 10 days from Closing/Settlement date). - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. - Seller-05/28/2026

Resolved-Received credit refresh - Due Diligence Vendor-05/29/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130009

Closed

finding-3352

2026-05-20 13:24

2026-06-18 11:52

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-06/18/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/20/2026

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-06/18/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCRE1479

2026-05-22 09:47

2026-06-17 11:57

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-XXXX Gift was from Brws father XXXX. XXXX where he resided with the Brw (rent free letter for Brw in file). XXXX and gifted the net proceeds to Brw. Gift letter in file along with copy of net proceeds check from XXXX escrow (which verifies the property and seller). Master settlement stmt for this transaction documents receipt of these funds from XXXX- the sale proceeds were deposited directly into Escrow. - Due Diligence Vendor-06/17/2026
Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/11/2026
Counter-Received snip from final settlement statement. Provide escrow receipt of gift funds for XXXX - Due Diligence Vendor-06/10/2026
Ready for Review-Document Uploaded. - Seller-06/09/2026
Counter-Lender confirmed that the PCCD is valid and reflects the final disbursement date of XXXX. A one-day difference between the CD/PCCD and the master closing statement is standard industry practice while Escrow finalizes records and disburses funds. The closing statement reflects Escrow's timeframe, while the PCCD reflects the lender's disbursement date. Since lender has provided both the Final Settlement Statement from Escrow and the corresponding Post-Closing Disclosure, the PCCD is final. File includes a XXXX gift letter but Master settlement stmt & PCCD do not document the source of these funds. Provide confirmation funds were deposited from Donor- XXXX. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/02/2026
Counter-Received settlement statement reflecting disbursement date of XXXX which differs from PCCD received. Please provide the following: 1. Final PCCD for review 2. Document gift funds receipt with title or borrower receipt. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/26/2026
Open-Asset Record 1 Does Not Meet G/L Requirements Missing verification of donor availability and transfer of gift funds. File included $XXXXX gift letter but was missing documentation confirming the funds had been transferred to borrower or directly to title. The funds were not accounted for on the final CD or post close CD. Additional findings may apply. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/11/2026

Ready for Review-Document Uploaded. - Seller-06/09/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/02/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-05/26/2026

Resolved-XXXX Gift was from Brws father XXXX owned XXXX where he resided with the Brw (rent free letter for Brw in file). XXXX and gifted the net proceeds to Brw. Gift letter in file along with copy of net proceeds check from XXXX (which verifies the property and seller). Master settlement stmt for this transaction documents receipt of these funds from XXXX- the sale proceeds were deposited directly into Escrow. - Due Diligence Vendor-06/17/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCRE1480

2026-05-22 09:47

2026-06-08 11:47

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Lender confirmed that the PCCD is valid and reflects the final disbursement date of XXXX. A one-day difference between the CD/PCCD and the master closing statement is standard industry practice while Escrow finalizes records and disburses funds. The closing statement reflects Escrow's timeframe, while the PCCD reflects the lender's disbursement date. Since lender has provided both the Final Settlement Statement from Escrow and the corresponding Post-Closing Disclosure, the PCCD is final. File includes a XXXX gift letter and final settlement stmt documents gift funds were received from Donor. - Due Diligence Vendor-06/08/2026
Counter-Received CD with disbursement date of XXXX which differs from master closing received previously. Please provide the following: 1. Confirm this is final or provide Final PCCD for review 2. Document gift funds receipt with title or borrower receipt. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/02/2026
Counter-Received settlement statement reflecting disbursement date of XXXX which differs from PCCD received. Please provide the following: Final PCCD for review reflecting gift funds received - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Seller-05/26/2026
Open-Asset Record 2 Does Not Meet G/L Requirements Missing verification of donor availability and transfer of gift funds. File included XXXX gift letter but was missing documentation confirming the funds had been transferred to borrower or directly to title. The funds were not accounted for on the final CD or post close CD. Additional findings may apply. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/02/2026

Ready for Review-Document Uploaded. - Seller-05/26/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCRE0200

2026-05-22 09:32

2026-06-02 10:50

Resolved

1 - Information

Credit

Debt

Missing proof of liability not disclosed on credit report

Resolved-After further review- Credit refresh reflects a new XXXX installment acct- opened XXXX Current balance 1XX Payment of $XX reflected on the XXXX acct stmt already in file. DTI still within G/L. - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. Please see attached and we've already disclosed and hit DTI with the liab. in 1003 please review the continuation sheet as well. - Seller-06/01/2026
Counter-Received duplicate documentation. Received a XXXX confirmation of down payment to XXXX. Provide confirmation no financing of new car. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. please see attached. this was in the closing pkg - Seller-05/28/2026
Counter-Received rebuttal Exeter is one in the same as XXXX. XXXX was opened XXXX. Received a XXXX confirmation of down payment to XXXX. Provide confirmation no financing of new car. - Due Diligence Vendor-05/27/2026
Ready for Review-XXXX payment and is included in the DTI. Please remove the condition - Seller-05/26/2026
Open-Missing evidence of XXXX auto payment to be included in debt and DTI recalculated. File includes a letter from XXXX noting a purchase date of XXXX. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Please see attached and we've already disclosed and hit DTI with the liab. in 1003 please review the continuation sheet as well. - Seller-06/01/2026
Ready for Review-Document Uploaded. please see attached. this was in the closing pkg - Seller-05/28/2026
Ready for Review-XXXX payment and is included in the DTI. Please remove the condition - Seller-05/26/2026

Resolved-After further review- Credit refresh reflects a new XXXX installment acct- opened XXXX Current balance $XXX. Payment of $XX reflected on the XXXX acct stmt already in file. DTI still within G/L. - Due Diligence Vendor-06/02/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCRE0970

2026-05-22 08:47

2026-05-28 12:26

Resolved

1 - Information

Credit

Eligibility

Appraisal has issues (credit)

Resolved-After further review- The subjects street is public and although unpaved, the road conditions are consistent with the comparables and are typical for the community. Furthermore, the photos in the appraisal report clearly demonstrate that the property is fully accessible and free of any visible hazards. - Due Diligence Vendor-05/28/2026

Ready for Review-Please thoroughly review the provided documents. The road conditions are consistent with the comparables and are typical for the community. Furthermore, the photos in the appraisal report clearly demonstrate that the property is fully accessible and free of any visible hazards. If the auditor identifies any specific hazards in the appraisal photos, please point them out so we can address them directly - Seller-05/28/2026

Counter-Received map addendum from original report. Missing Appraisers confirmation unpaved road has All-Weather Surface, meets community standards, is legally accessible and does not pose a hazard to the subjects marketability. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Please see uploaded document. - Seller-05/26/2026

Open-Appraiser to address if the unpaved road where subject is located meets local standards. - Due Diligence Vendor-05/22/2026

Ready for Review-Please thoroughly review the provided documents. The road conditions are consistent with the comparables and are typical for the community. Furthermore, the photos in the appraisal report clearly demonstrate that the property is fully accessible and free of any visible hazards. If the auditor identifies any specific hazards in the appraisal photos, please point them out so we can address them directly - Seller-05/28/2026

Ready for Review-Document Uploaded. Please see uploaded document. - Seller-05/26/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCRE1316

2026-05-22 09:17

2026-05-28 11:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. please see attached - Seller-05/27/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verbal VOE dated 10 days prior to the note date required by Guideline Section 10.17. Verbal VOE in file is dated XXXX, or 15 days prior to note date. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. please see attached - Seller-05/27/2026

Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-05/28/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCRE1317

2026-05-22 09:17

2026-05-28 11:33

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Resolved-Received VVOE confirming borrower has been employed XXXX. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. please see attached updated VOE verifying the borrower has been working over 24 months now. - Seller-05/27/2026
Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Guidelines require a Written VOE (Form 1005) completed in full by the employer verifying most recent two‐year income
history. Borrower start date was XXXX with 23 months and 24 days of income documented as of the XXXX VOE. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. please see attached updated VOE verifying the borrower has been working over 24 months now. - Seller-05/27/2026

Resolved-Received VVOE confirming borrower has been employed XXXX. - Due Diligence Vendor-05/28/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130009

Closed

FCOM5135

2026-05-20 12:36

2026-05-20 13:35

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/20/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.63

Residual Income =/> 1.5 times $3,500 monthly residual income - Min 0, actual $8,999.41

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000128747

Closed

FCRE1202

2026-05-22 13:25

2026-05-29 13:22

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received management acknowledgment of fraud score. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the manager letter - Seller-05/27/2026
Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides TVOE XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Please see the manager letter - Seller-05/27/2026

Resolved-Received management acknowledgment of fraud score. - Due Diligence Vendor-05/29/2026

Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $7,809.07; minimum required NONE

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000128747

Closed

FCOM5135

2026-05-21 11:20

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/21/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130010

Closed

finding-47

2026-05-21 11:51

2026-05-27 14:32

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/27/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/27/2026

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/27/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.97

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766

LTV is less than guideline maximum - Required is 80 Borrower has 68.95

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130010

Closed

FCOM5135

2026-05-21 11:20

2026-05-21 13:05

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-05/21/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000130251

Closed

FCRE1325

2026-05-26 08:23

2026-05-29 13:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received XXXX license validation. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the search result - Seller-05/27/2026
Open-Borrower 1 CPA Letter Missing Borrower 1 CPA Letter Missing. CPA letter is not supported. Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a XXXX registered tax preparer. PTIN are not eligible. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the search result - Seller-05/27/2026

Resolved-Received XXXX license validation. - Due Diligence Vendor-05/29/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.59

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798

LTV is less than guideline maximum - Required is 80 Borrower has 70

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000130024

Closed

FCRE1202

2026-05-22 08:49

2026-06-01 12:31

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Upon further review, review was able to locate management acknowledgment of fraud score in original package. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Already included - Seller-05/28/2026
Counter-Review is unable to locate fraud score acknowledgment. Please provide. - Due Diligence Vendor-05/28/2026
Ready for Review-UW cert by vp is already included in the uploaded package. - Seller-05/26/2026
Open-Third Party Fraud Report Partially Provided XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. Section 17.11 - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Already included - Seller-05/28/2026

Ready for Review-UW cert by vp is already included in the uploaded package. - Seller-05/26/2026

Resolved-Upon further review, review was able to locate management acknowledgment of fraud score in original package. - Due Diligence Vendor-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 19.52

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130024

Closed

FCOM5135

2026-05-20 12:49

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 19.52

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130025

Closed

FCRE1506

2026-05-26 09:57

2026-06-05 13:28

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/05/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/03/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Insuff Assts - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/03/2026

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.36

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130025

Closed

FCRE1198

2026-05-26 09:27

2026-06-05 13:27

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 8.15 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-06/05/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/03/2026

Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Insuff Assts - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/03/2026

Resolved-Audited Reserves of 8.15 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-06/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.36

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130025

Closed

FCRE9501

2026-05-26 09:21

2026-06-05 13:27

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-06/05/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/03/2026

Open-Total Qualified Assets Post-Close amount is '$-22976.67'. Assets are Insufficient. Insuff Assts - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/03/2026

Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-06/05/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.36

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130025

Closed

FCOM5135

2026-05-21 12:37

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.36

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130019

Closed

FCRE1481

2026-05-26 08:48

2026-06-09 12:01

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Received Statement for XXXX a. - Due Diligence Vendor-06/09/2026
Ready for Review-Document Uploaded. Please see the bank statements from account XXXX - Seller-06/05/2026
Counter-Received confirmation of no gift. Missing Bank Statement or VOD for accounts XXXX. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. Please see the closing funds and the bank statement.
Gift letter was not used, please exclude it from asset. - Seller-06/03/2026
Open-Asset Record 3 Does Not Meet G/L Requirements . Missing proof of the wire to the Title Company for proof of gift funds from XXXX. (per XXXX guides). - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the bank statements from account XXXX - Seller-06/05/2026
Ready for Review-Document Uploaded. Please see the closing funds and the bank statement.
Gift letter was not used, please exclude it from asset. - Seller-06/03/2026

Resolved-Received Statement for XXXX. - Due Diligence Vendor-06/09/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807

LTV is less than guideline maximum - Required is 75 Borrower has 70

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130019

Closed

FCRE1205

2026-05-26 08:33

2026-05-29 15:19

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Received XXXX clearance. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the XXXX search result - Seller-05/27/2026
Open-XXXX Check Not Completed and/or Cleared for the seller. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the XXXX search result - Seller-05/27/2026

Resolved-Received XXXX clearance. - Due Diligence Vendor-05/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807

LTV is less than guideline maximum - Required is 75 Borrower has 70

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130019

Closed

finding-3617

2026-05-21 12:58

2026-05-28 14:46

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Funding Date Validation Test

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Please see the post CD - Seller-05/27/2026
Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. Please see the post CD - Seller-05/27/2026

Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807

LTV is less than guideline maximum - Required is 75 Borrower has 70

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130249

Closed

FCOM5135

2026-05-21 09:35

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.21

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130028

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000130261

Closed

FCRE1482

2026-05-27 15:35

2026-06-24 13:10

Resolved

1 - Information

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Received asset documentation and Final Settlement statement. - Due Diligence Vendor-06/24/2026
Ready for Review-Document Uploaded. Please see the XXXX statement - Seller-06/22/2026
Counter-Received final certified settlement statement. Missing sufficient funds to close. Missing XXXX account reflecting balance of XXXX. Have XXXX statement and a deposit but no balance after deposit. - Due Diligence Vendor-06/17/2026
Ready for Review-Document Uploaded. Please see the document - Seller-06/16/2026
Counter-Received master final settlement statement. Please provide final signed or certified settlement statement. Review reflects the following: XXXX for total of $XXXXX. Short $XXXXto close and $XXX in required reserves. Provide additional validation for funds to close and required reserves. - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded. Please see the final settlement statement - Seller-06/10/2026
Counter-Received borrowers title receipt for closing funds. Review reflects the following: XXXX for total of $XXX. Short $XXX to close and $XXX in required reserves. Provide additional validation for funds to close and required reserves. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. Please see the closing funds - Seller-06/03/2026
Counter-Received XXXX Statement along with assets available. Borrower is short funds to close and reserves. Review has verified total $XXX available funds. Short $XXX to close and $XXX in required reserves. Provide additional validation for funds to close and required reserves. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Please see all assets attached. The documents include the account ending in XXXX. - Seller-05/29/2026
Open-Asset 4 Does Not Meet Guideline Requirements Morgan Stanley ending XXXX missing borrower name, unable to determine if this account belongs to the borrower, missing full account statement with full identifiers, provided is only an activity statement - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Please see the XXXX statement - Seller-06/22/2026
Ready for Review-Document Uploaded. Please see the document - Seller-06/16/2026
Ready for Review-Document Uploaded. Please see the final settlement statement - Seller-06/10/2026
Ready for Review-Document Uploaded. Please see the closing funds - Seller-06/03/2026
Ready for Review-Document Uploaded. Please see all assets attached. The documents include the account ending in XXXX. - Seller-05/29/2026

Resolved-Received asset documentation and Final Settlement statement. - Due Diligence Vendor-06/24/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766

On time mortgage history exceeds guideline requirement - 20+ years on time reporting

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000130261

Closed

FPRO1255

2026-05-26 15:23

2026-06-01 17:13

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA questionnaire - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. Please see the questionnaire - Seller-05/29/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing a copy of the Condo Questionnaire or condo warranty form - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Please see the questionnaire - Seller-05/29/2026

Resolved-Received HOA questionnaire - Due Diligence Vendor-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766

On time mortgage history exceeds guideline requirement - 20+ years on time reporting

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000129508

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000126886

Closed

finding-3652

2026-05-22 15:04

2026-06-18 12:13

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Received LE XXXX and COC. Finding Resolved. - Due Diligence Vendor-06/18/2026
Ready for Review-Document Uploaded. - Seller-06/17/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX. Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $XXXX to $XXXwithout a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXXXpost-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires XXXX. (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. - Seller-06/17/2026

Resolved-Received LE XXXX and COC. Finding Resolved. - Due Diligence Vendor-06/18/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.63

LTV is less than guideline maximum - Required is 80 Borrower has 53.57

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000125873

Closed

FCOM0014

2026-05-27 00:26

2026-05-29 14:19

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please review the proof of delivery for appraisal report. - Seller-05/28/2026
Counter-ROV doesn't support receipt. Please provide a Certified Report Delivery or Notice of Right to Receive copy of written appraisal. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Please revies the ROV for appraisal report - Seller-05/27/2026
Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of Appraisal being received 3 or more days prior to closing was not met. (Note XXXX). - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Please review the proof of delivery for appraisal report. - Seller-05/28/2026

Ready for Review-Document Uploaded. Please revies the ROV for appraisal report - Seller-05/27/2026

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-05/29/2026

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.67

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125873

Closed

FCOM5135

2026-05-22 12:11

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/22/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130256

Closed

FCRE1204

2026-05-27 13:00

2026-06-01 16:54

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received high and medium alerts cleared, sam and OFAC clearances - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Uploaded. See Fraud Report, XXXX. - Seller-05/29/2026
Open-Fraud Report Shows Uncleared Alerts Missing XXXX search for Loan Officer and Escrow Officer. Fraud Report, possible match found. Fraud Report recommended verify all information was entered correctly and match the Third Party section of report. Lender reported data for Loan Officer and Escrow Officer name/city/state does not match Government watch list results. No OFAC record found. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Uploaded. See Fraud Report, XXXX. - Seller-05/29/2026

Resolved-Received high and medium alerts cleared, XXXX clearances - Due Diligence Vendor-06/01/2026

LTV is less than guideline maximum - Required is 70 Borrower has 59.54

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130256

Closed

FCRE1202

2026-05-27 13:33

2026-06-01 16:54

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received management acknowledgment. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Uploaded. See XXXX letter approval. - Seller-05/28/2026
Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX: scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Uploaded. See XXXX letter approval. - Seller-05/28/2026

Resolved-Received management acknowledgment. - Due Diligence Vendor-06/01/2026

LTV is less than guideline maximum - Required is 70 Borrower has 59.54

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130008

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000130023

Closed

FCOM0014

2026-05-27 14:19

2026-06-03 14:33

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. I've attached the appraisal delivery confirmation again. it shows that it has been delivered on XXXX before closing of XXXX. Please review and assist in clearing the condition. Appreciate your help. - Seller-06/02/2026
Counter-Appraisal delivery confirmation is dated after closing of XXXX. Appraisal delivery needs to be at least 3 days prior to consummation. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. I've attached the certified appraisal report delivery confirmation. Please review and assist in clearing the condition. thank you - Seller-05/31/2026
Counter-ROV does not cover borrower's receipt of the appraisal. Please provide a Certified Report of Delivery and/or Notice of Right to received copy of written appraisal/valuation. Finding Remains. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. I've submitted the ROV document regarding the condition. Please review and assist in clearing the condition. thank you! - Seller-05/28/2026
Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. I've attached the appraisal delivery confirmation again. it shows that it has been delivered on XXXX before closing of XXXX. Please review and assist in clearing the condition. Appreciate your help. - Seller-06/02/2026
Ready for Review-Document Uploaded. I've attached the certified appraisal report delivery confirmation. Please review and assist in clearing the condition. thank you - Seller-05/31/2026
Ready for Review-Document Uploaded. I've submitted the ROV document regarding the condition. Please review and assist in clearing the condition. thank you! - Seller-05/28/2026

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/03/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787

Verified employment history exceeds guidelines -

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130023

Closed

FCRE1198

2026-05-27 14:27

2026-06-01 12:27

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Received PCCd and IRA balance confirms sufficient reserves available - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Based on the asset documentation, the mutual asset funds balance of $197,703.74 is sufficient to satisfy the required reserves of XXXX, which represents 4 months of the subject P&I.
In addition, the attached Post-CD and Final Settlement Statement demonstrate that the borrower has sufficient funds to cover all required closing funds, including the required reserves, with remaining assets still exceeding the guideline requirements.
Could you please kindly re-review the submitted asset documentation and assist in clearing the condition accordingly? - Seller-05/28/2026
Open-Audited Reserves of 1.48 month(s) are less than Guideline Required Reserves of 4 month(s) Provide source of funds for reserves requirement. The printout provided for the Fidelity investment account dated after the most current statement provided (XXXX) does not show an ending balance amount. Therefore, did not document sufficient reserves. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Based on the asset documentation, the mutual asset funds balance of $197,703.74 is sufficient to satisfy the required reserves of XXXX, which represents 4 months of the subject P&I.
In addition, the attached Post-CD and Final Settlement Statement demonstrate that the borrower has sufficient funds to cover all required closing funds, including the required reserves, with remaining assets still exceeding the guideline requirements.
Could you please kindly re-review the submitted asset documentation and assist in clearing the condition accordingly? - Seller-05/28/2026

Resolved-Received PCCd and IRA balance confirms sufficient reserves available - Due Diligence Vendor-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787

Verified employment history exceeds guidelines -

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130274

Closed

FCRE1204

2026-05-27 11:06

2026-05-29 15:24

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received fraud report reflecting all alerts cleared. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Uploaded. See Fraud Report and XXXX. - Seller-05/28/2026
Open-Fraud Report Shows Uncleared Alerts Missing XXXX search for Listing Agent. Fraud Report, possible match found. Fraud Report recommended verify all information was entered correctly and match the Third Party section of report. Lender reported data for Listing Agent name/city/state does not match Government watch list results. No XXXX record found. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Uploaded. See Fraud Report and XXXX. - Seller-05/28/2026

Resolved-Received fraud report reflecting all alerts cleared. - Due Diligence Vendor-05/29/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.19

LTV is less than guideline maximum - Required is 75 Borrower has 47.44

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130274

Closed

finding-3625

2026-05-26 08:59

2026-05-28 14:20

Resolved

1 - Information

Compliance

TRID

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

Resolved-Received PCCD XXXX correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/27/2026
Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Credit Report, Appraisal Desk Review) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/27/2026

Resolved-Received PCCD XXXX correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/28/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130274

Closed

FCOM0014

2026-05-27 11:21

2026-05-28 14:10

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Uploaded. See POD - proof of delivery. - Seller-05/27/2026
Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of Appraisal (completed XXXX) being received 3 or more days prior to closing (Note XXXX) was not met. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Uploaded. See POD - proof of delivery. - Seller-05/27/2026

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-05/28/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000128760

Closed

FCRE1193

2026-05-28 21:55

2026-06-03 11:45

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-After further review- Rental income for Property 3C- XXXX- was not considered. As the borrower is not on the note per the mortgage statement (Brw is on Title only- lien belongs to XXXX), only the tax and insurance payment of XXXX will be included in the DTI. DTI now in line. - Due Diligence Vendor-06/03/2026
Open-Audited DTI of 55.04% exceeds Guideline DTI of 49.99% Audit DTI 55.04% exceeds 49.99% for product/transaction; lender qualified borrower with 49.370% as loan application reflects property 3c with $XXX/mo expenses; however, mortgage history as recent as XXXX reflects a monthly payment of $XXXX, no lease was provided to offset property expenses. Other findings may apply. - Due Diligence Vendor-05/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683

LTV is less than guideline maximum - Required is 80 Borrower has 69.44

Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $7,880.40

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000128760

Closed

FCRE1506

2026-05-28 21:53

2026-06-03 11:38

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-DTI now in line. The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-06/03/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audit DTI 55.04% exceeds 49.99% for product/transaction, missing documents to offset property 3c on loan application. - Due Diligence Vendor-05/29/2026

Resolved-DTI now in line. The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-06/03/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130260

Closed

FCRE1764

2026-05-28 11:38

2026-06-02 12:01

Resolved

1 - Information

Credit

Missing Doc

Missing Verification of Mortgage

Resolved-CD provided from refinance of XXXX street and confirms there are no liens paid off. - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. Please see attached - Seller-05/29/2026
Open-Missing Verification of Mortgage / satisfactory mortgage rating for - other property owned located at XXXX - Due Diligence Vendor-05/28/2026

Ready for Review-Document Uploaded. Please see attached - Seller-05/29/2026

Resolved-CD provided from refinance of Lynn street and confirms there are no liens paid off. - Due Diligence Vendor-06/02/2026

LTV is less than guideline maximum - Required is 75 Borrower has 48.74

Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 781

Long term residence - 3 yrs at current residence

Months Reserves exceed minimum required - 12.86 months reserves; 6 months reserves required

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000130012

Closed

FCRE1506

2026-05-28 21:33

2026-06-04 12:19

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received validation of sufficient assets to close - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. - Seller-06/02/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borr short funds to close. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. - Seller-06/02/2026

Resolved-Received validation of sufficient assets to close - Due Diligence Vendor-06/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 770

LTV is less than guideline maximum - Required is 75 Borrower has 47.62

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.05

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130012

Closed

FCRE9501

2026-05-28 21:12

2026-06-04 12:17

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Received PCCD confirming sufficient assets verified. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. - Seller-06/02/2026
Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. Subject primary R/T Refinance. Borr short -$XXXXfunds to close. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. - Seller-06/02/2026

Resolved-Received PCCD confirming sufficient assets verified. - Due Diligence Vendor-06/04/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130012

Closed

FCOM5135

2026-05-27 13:22

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/27/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000130262

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000130930

Closed

FCOM5135

2026-05-27 13:59

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/27/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.34

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130744

Closed

FCRE1232

2026-05-27 09:23

2026-05-28 18:03

Waived

2 - Non-Material

Credit

Eligibility

Calculated DSCR does not meet the Minimum DSCR allowed

Waived-Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/28/2026

Open-The Calculated DSCR of '0.752' is less than the minimum DSCR per lender guidelines of '0.8'. The calculated DSCR is 0.752, guideline minimum is 0.80. - Due Diligence Vendor-05/27/2026

Waived-Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/28/2026

LTV is less than guideline maximum - Required is 80 Borrower has 70

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 726

Months Reserves exceed minimum required - 22.04 months PITIA reserves; 6 months reserves required.

Fico points 20 points over, Reserves over 12 months, LTV 10% or more under requirement.

ATR/QM: Exempt

XXXX

Investment

Purchase

Originator Post-Close

Yes

XXXX

4000130911

Closed

finding-3625

2026-05-28 12:14

2026-06-05 14:58

Resolved

1 - Information

Compliance

TRID

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

Resolved-Received PCCD XXXX correcting payee in Section B. finding Resolved. - Due Diligence Vendor-06/05/2026
Ready for Review-Document Uploaded. Please see the PCCD - Seller-06/05/2026
Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(MERS and QA Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/28/2026

Ready for Review-Document Uploaded. Please see the PCCD - Seller-06/05/2026

Resolved-Received PCCD XXXX correcting payee in Section B. finding Resolved. - Due Diligence Vendor-06/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808

LTV is less than guideline maximum - Required is 80 Borrower has 50.21

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.09

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000130929

Closed

FCRE1205

2026-05-29 18:29

2026-06-02 14:44

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Received complete fraud report. - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. I've attached the XXXX result with LOE. The XXXX screening for borrower XXXX was completed through XXXX and returned no matches or findings requiring further review. please re-review and assist in clearing the condition. thank yoyu - Seller-05/31/2026
Open-XXXX Check Not Completed and/or Cleared for Underwriter. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. I've attached the XXXX result with LOE. The XXXX screening for borrower XXXX was completed through XXXXXXXX and returned no matches or findings requiring further review. please re-review and assist in clearing the condition. thank yoyu - Seller-05/31/2026

Resolved-Received complete fraud report. - Due Diligence Vendor-06/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.97

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130929

Closed

FCOM5135

2026-05-28 12:51

2026-05-29 06:52

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing ORIGINATOR WAIVER APPLIED TO NON-MATERIAL FINDING - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.97

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000131498

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

XXXX

4000125170

Closed

FCRE6843

2026-05-29 18:59

2026-06-02 11:30

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-CPA letter provided documenting Brw is 100% owner of XXXX. CPA has prepared the company's federal tax returns for the XXXX tax years, biz is active and operating and the use of business funds will not have a material negative impact on the company's operations or financial stability. - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. - Seller-06/01/2026
Open-There is a bank statement in file that does not show the borrowers name. It is for XXXX. Need to tie this to borrower in order to be able to use funds. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. - Seller-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.17

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000125170

Closed

FCOM5135

2026-05-28 13:35

2026-05-29 05:25

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.17

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000129507

Closed

FCRE1202

2026-06-01 14:45

2026-06-08 15:13

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received management acknowledgement of fraud report score. - Due Diligence Vendor-06/08/2026
Ready for Review-Document Uploaded. Please see the letter. - Seller-06/05/2026
Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. Please see the letter. - Seller-06/05/2026

Resolved-Received management acknowledgement of fraud report score. - Due Diligence Vendor-06/08/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.94

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129507

Closed

FCOM5135

2026-05-29 14:08

2026-06-01 04:20

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.94

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000130799

Closed

FCRE1440

2026-06-01 12:29

2026-06-03 13:53

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received PITIA for new purchases of 3I and 3J - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. docs for XXXX - Seller-06/01/2026
Open-Housing History Does Not Meet Guideline Requirements Missing Housing history for REO 31 and 3J recently refinanced with XXXX. missing copy of NOTE and CD for pitia breakdown. - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. docs for XXXX and XXXX - Seller-06/01/2026

Resolved-Received PITIA for new purchases of 3I and 3J - Due Diligence Vendor-06/03/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.21

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000130799

Closed

FCRE0082

2026-06-01 10:19

2026-06-01 14:35

Waived

2 - Non-Material

Credit

Title

Vested Owner Signature Requirement Not met

Waived-Originator exception granted to allow layered entity, Non-material waiver applied with comp factors. non-material due to Employment history - DTI - Due Diligence Vendor-06/01/2026
Open-Vested Owner Signature Requirement Not met. - Lender exception layered entity. XXXX, which in turn is owned by XXXX 80% by B2 and 20% by XXXX). XXXX is owned by 50% by B1 and and 50% by Spouse (not on the loan). - Due Diligence Vendor-06/01/2026

Waived-Originator exception granted to allow layered entity, Non-material waiver applied with comp factors. non-material due to Employment history - DTI - Due Diligence Vendor-06/01/2026

fico 20 + points over
total debt 10% or more under requirement
Reserves over 12 +mos
Long term employment over 5 yrs
minimal consumer debt.
over 14 yrs self employed. low dti, did not include rent from subject or other investment properties, seasoned investors. good mortgage histories. own funds for down payment and closing. excellent reserves.

ATR/QM: Exempt

XXXX

Investment

Purchase

Originator Post-Close

Yes

XXXX

4000125885

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

4000129770

Closed

FCOM0013

2026-06-01 14:24

2026-06-04 09:57

Resolved

1 - Information

Compliance

Disclosure

Missing e-Consent

Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. - Seller-06/03/2026

Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. - Seller-06/03/2026

Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-06/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767

Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.25

LTV is less than guideline maximum - Required is 75 Borrower has 67.58

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000132434

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000130276

Closed

FCOM0014

2026-06-02 17:47

2026-06-04 12:36

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. Hello,

I attach the Evidence of Appraisal.

Please review it and clear this condition. - Seller-06/04/2026

Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. -----Missing evidence of appraisal being received 3 or more days prior to closing. - Due Diligence Vendor-06/02/2026

Ready for Review-Document Uploaded. Hello,

I attach the Evidence of Appraisal.

Please review it and clear this condition. - Seller-06/04/2026

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/04/2026

LTV is less than guideline maximum - Required is 75 Borrower has 60

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000130276

Closed

FCOM1353

2026-06-02 14:13

Waived

2 - Non-Material

Compliance

Disclosure

Incorrect ROR Form Type selected

LTV is less than guideline maximum - Required is 75 Borrower has 60

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000130276

Closed

FCOM5135

2026-06-02 14:13

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-06/02/2026

LTV is less than guideline maximum - Required is 75 Borrower has 60

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

XXXX

4000130259

Closed

FCRE1325

2026-06-03 20:42

2026-06-08 14:41

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received internet employer phone number validation. - Due Diligence Vendor-06/08/2026
Ready for Review-Document Uploaded. - Seller-06/05/2026
Open-Borrower 1 CPA Letter Missing CPA letter provided but CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower, otherwise Business phone number verification via XXXX Search, XXXX or internet is required - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. - Seller-06/05/2026

Resolved-Received internet employer phone number validation. - Due Diligence Vendor-06/08/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.96

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130259

Closed

FCOM0014

2026-06-02 16:10

2026-06-05 13:39

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/05/2026

Ready for Review-Document Uploaded. - Seller-06/05/2026

Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of appraisal being received 3 or more days prior to closing. - Due Diligence Vendor-06/02/2026

Ready for Review-Document Uploaded. - Seller-06/05/2026

Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/05/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.96

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000129055

Closed

finding-3634

2026-06-03 15:19

2026-06-18 12:32

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-06/18/2026
Ready for Review-Document Uploaded. - Seller-06/18/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,357.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $4,357.50 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,357.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires 07/19/2026 (2) within 60 days of discovery expires 08/02/2026 remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. Please provide valid COC for increases. - Due Diligence Vendor-06/03/2026

Ready for Review-Document Uploaded. - Seller-06/18/2026

Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-06/18/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.64

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000129055

Closed

finding-3652

2026-06-03 15:19

2026-06-18 12:32

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Received COC for Fee Decrease. Finding Resolved. - Due Diligence Vendor-06/18/2026
Ready for Review-Document Uploaded. - Seller-06/18/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,800.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $2,800.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,800.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. Please provide valid COC for decreases. - Due Diligence Vendor-06/03/2026

Ready for Review-Document Uploaded. - Seller-06/18/2026

Resolved-Received COC for Fee Decrease. Finding Resolved. - Due Diligence Vendor-06/18/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.64

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000120736

Closed

FCRE0200

2026-06-04 17:40

2026-07-01 13:57

Resolved

1 - Information

Credit

Debt

Missing proof of liability not disclosed on credit report

Resolved-Upon further review, variance is not material. Review higher consumer debt was used and DTI is within tolerance. No further action required. - Due Diligence Vendor-07/01/2026

Ready for Review-Document Uploaded. all of the liabilities match up to the soft pull - Seller-06/30/2026

Open-There is an additional 57.00 included in the total other liabilities per the 1008. Documentation or explanation is needed to support. - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. all of the liabilities match up to the soft pull - Seller-06/30/2026

Resolved-Upon further review, variance is not material. Review higher consumer debt was used and DTI is within tolerance. No further action required. - Due Diligence Vendor-07/01/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.92

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000120736

Closed

FCRE1506

2026-06-04 17:33

2026-07-01 13:56

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/01/2026

Ready for Review-Document Uploaded. - Seller-06/30/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. We are missing the WVOE or year end paystubs to support the OT and bonus income. - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. - Seller-06/30/2026

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/01/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.92

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000120736

Closed

FCRE1333

2026-06-04 17:32

2026-07-01 13:49

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 WVOE Missing

Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-07/01/2026
Ready for Review-Document Uploaded. - Seller-06/29/2026
Open-Borrower 1 WVOE Missing Provide the WVOE or year end paystubs for XXXX and XXXX to support OT and bonus income. - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. - Seller-06/29/2026

Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-07/01/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.92

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000120736

Closed

FCRE8887

2026-07-01 09:44

2026-07-01 09:49

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-Received revised 1003 with a complete 2 year + income. - Due Diligence Vendor-07/01/2026

Open-The Final 1003 is Incomplete Guidelines require 2 year history of Self Employment to use PnL income. 1003 should be updated to include the previous schedule C self employment. - Due Diligence Vendor-07/01/2026

Resolved-Received revised 1003 with a complete 2 year + income. - Due Diligence Vendor-07/01/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.92

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000120736

Closed

FCOM1233

2026-06-04 17:43

2026-07-01 09:48

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Please see credit finding. - Due Diligence Vendor-07/01/2026

Ready for Review-Document Uploaded. - Seller-06/30/2026

Open-The Final 1003 is Incomplete Guidelines require 2 year history of Self Employment to use PnL income. 1003 should be updated to include the previous schedule C self employment. - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. - Seller-06/30/2026

Resolved-Please see credit finding. - Due Diligence Vendor-07/01/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.92

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000120736

Closed

finding-3634

2026-06-03 15:19

2026-06-30 13:36

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received copy of COC for increase in fees. Finding Resolved. - Due Diligence Vendor-06/30/2026
Ready for Review-Document Uploaded. - Seller-06/30/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $377.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $377.25 (Verification of Employment Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $377.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C [VOE Fee included starting on revised CD XXXX without a valid COC. Final amount is $377.25 on Final CD]

- Due Diligence Vendor-06/03/2026

Ready for Review-Document Uploaded. - Seller-06/30/2026

Resolved-Received copy of COC for increase in fees. Finding Resolved. - Due Diligence Vendor-06/30/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.92

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

XXXX

4000128693

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000130917

Closed

FCRE1202

2026-06-05 17:53

2026-06-17 15:49

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Received management review and approval by the Underwriting Manager as required per gl for score .800 - Due Diligence Vendor-06/17/2026
Ready for Review-Document Uploaded. Please see the letter - Seller-06/16/2026
Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-06/05/2026

Ready for Review-Document Uploaded. Please see the letter - Seller-06/16/2026

Resolved-Received management review and approval by the Underwriting Manager as required per gl for score .800 - Due Diligence Vendor-06/17/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729

Months Reserves exceed minimum required - 10.41mos reserves. Per guides, 4 reserves required

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000130917

Closed

FCOM5135

2026-06-04 13:18

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-06/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729

Months Reserves exceed minimum required - 10.41mos reserves. Per guides, 4 reserves required

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

XXXX

4000129006

Closed

FCRE7011

2026-06-06 10:16

2026-06-12 13:20

Resolved

1 - Information

Credit

Insurance

Rent Loss Coverage is Insufficient or Missing

Resolved-Received policy terms confirming rent loss coverage. - Due Diligence Vendor-06/12/2026

Ready for Review-Document Uploaded. Please see Fair Rental Coverage - Coverage D whicj states up to 12 months - Seller-06/11/2026

Open-Rent Loss Coverage is Insufficient or Missing. Unknown coverage. Six (6) months PITIA required. - Due Diligence Vendor-06/06/2026

Ready for Review-Document Uploaded. Please see Fair Rental Coverage - Coverage D whicj states up to 12 months - Seller-06/11/2026

Resolved-Received policy terms confirming rent loss coverage. - Due Diligence Vendor-06/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787

Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.9 Required is 50 Borrower has 38.9

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000129006

Closed

FCRE6910

2026-06-06 10:50

2026-06-09 14:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Received EAD card - Due Diligence Vendor-06/09/2026

Ready for Review-Document Uploaded. - Seller-06/08/2026

Open-Borrower 1 Non-US Citizen Identification Document is Missing - Due Diligence Vendor-06/06/2026

Ready for Review-Document Uploaded. - Seller-06/08/2026

Resolved-Received EAD card - Due Diligence Vendor-06/09/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000129006

Closed

FCRE6019

2026-06-04 13:20

2026-06-09 14:43

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Received EAD card - Due Diligence Vendor-06/09/2026

Ready for Review-Document Uploaded. - Seller-06/08/2026

Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-06/08/2026

Ready for Review-Document Uploaded. - Seller-06/08/2026

Resolved-Received EAD card - Due Diligence Vendor-06/09/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000130944

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

XXXX

4000125104

Closed

FCRE1317

2026-06-08 07:31

2026-06-08 10:43

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Waived-Originator exception granted to allow less than full 2 years of self-employment, Non-material waiver applied with comp factors. non-material due to LTV - Due Diligence Vendor-06/08/2026
Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Lender exception - borrower has same business and address for 5 years however in XXXX borrower switched company name and bank. current business has only been in existence since XXXX. received CPA letter verifying prior business is the same exact business at the same location. the name was changed for business purpose. using 12 months business bank statements , XXXX for the current business and XXXX for the previous business. - Due Diligence Vendor-06/08/2026

Waived-Originator exception granted to allow less than full 2 years of self-employment, Non-material waiver applied with comp factors. non-material due to LTV - Due Diligence Vendor-06/08/2026

Qualifying DTI below maximum allowed - Required is 43 Borrower has 27.06

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 805

LTV is less than guideline maximum - Required is 85 Borrower has 60

LTV 10% below
fico 20 + points
total debt 10% or more
residual income $3k or more
long term over 5 yrs employment
minimal consumer debt.

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

Yes

XXXX

4000130805

Closed

FPRO1253

2026-06-08 16:32

2026-06-12 15:29

Resolved

1 - Information

Property

Missing Doc

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

Resolved-Received UCDP with a score of 1.8 Additional valuation product is provided - Due Diligence Vendor-06/12/2026

Ready for Review-Document Uploaded. - Seller-06/11/2026

Open-Please provide secondary valuation as required. Upon receipt additional conditions may apply. - Due Diligence Vendor-06/08/2026

Ready for Review-Document Uploaded. - Seller-06/11/2026

Resolved-Received UCDP with a score of 1.8 Additional valuation product is provided - Due Diligence Vendor-06/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762

LTV is less than guideline maximum - Required is 75 Borrower has 67.15

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000127645

Closed

FCRE8700

2026-06-10 09:27

2026-06-11 14:50

Resolved

1 - Information

Credit

Missing Doc - Credit

Missing EIN Number for Business Entity

Resolved-Received Business Entity EIN - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded. EIN - Seller-06/10/2026
Open-Business Entity EIN value is invalid (Field value is ''). Missing EIN# for XXXX Inc. - Due Diligence Vendor-06/10/2026

Ready for Review-Document Uploaded. EIN - Seller-06/10/2026

Resolved-Received Business Entity EIN - Due Diligence Vendor-06/11/2026

Qualifying DTI below maximum allowed - Required is 45 Borrower has 31.83

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000127645

Closed

FCRE8201

2026-06-10 13:23

2026-06-10 13:26

Waived

2 - Non-Material

Credit

Eligibility

Loan does not conform to program guidelines

Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/10/2026
Open-Exception to XXXX for FTHB for an investment property
- Due Diligence Vendor-06/10/2026

Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-06/10/2026

total debt 10% or more under requirement
reserves 12+ mos more than requirement
residual income $3k or more
minimal consumer debt

ATR/QM: Exempt

XXXX

Investment

Purchase

Originator Post-Close

Yes

XXXX

4000131381

Closed

FCRE1198

2026-06-10 14:13

2026-06-12 13:23

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Originator provided a waiver for reserves of 5 months < 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-06/12/2026

Ready for Review-Document Uploaded. - Seller-06/11/2026

Open-Audited Reserves of 5.07 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 5.08 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-06/10/2026

Ready for Review-Document Uploaded. - Seller-06/11/2026

Waived-Originator provided a waiver for reserves of 5 months < 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-06/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803

LTV is less than guideline maximum - Required is 70 Borrower has 60.21

DSCR % greater than 1.20 - Required is 1 Borrower has 2.335

FICO: 803
LTV: 60% LTV<70% max allowed

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

Yes

XXXX

4000132867

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

XXXX

4000130032

Closed

FCOM1621

2026-06-11 04:46

2026-06-11 11:17

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Waived-Initial Escrow Account Disclosure is Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-06/11/2026

LTV is less than guideline maximum - Required is 80 Borrower has 74.04

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.94

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000130032

Closed

FCOM5135

2026-06-10 13:20

Waived

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/10/2026

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

XXXX

4000130277

Closed

finding-3939

2026-06-11 14:19

2026-06-16 13:22

Resolved

1 - Information

Compliance

ComplianceEase

TRID Rate Lock Disclosure Delivery Date Test

Resolved-Received Lock information. Finding Resolved. - Due Diligence Vendor-06/16/2026
Ready for Review-Document Uploaded. - Seller-06/16/2026
Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Disclosure advising borrower of revised interest rate and any interest rate dependent charges was not delivered within three business days after the interest rate was locked. Statute of Limitations - 3 Years, expiration date XXXX. UW Notes, there is a COC in File for XXXX Reflecting Revised LE with issue date of XXXX was hand signed XXXX and there is no evidence in file that this disclosure was delivered to the borrower within 3 days of the rate lock on XXXX. - Due Diligence Vendor-06/11/2026

Ready for Review-Document Uploaded. - Seller-06/16/2026

Resolved-Received Lock information. Finding Resolved. - Due Diligence Vendor-06/16/2026

Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.02 Required is 49.99 Borrower has 39.02

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 Required is 720 Borrower has 804

LTV is less than guideline maximum - Required is 80 Borrower has 65.77 Required is 80 Borrower has 65.77

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

XXXX

4000132316

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

4000130379

Closed

FCRE1440

2026-06-15 13:43

2026-06-19 10:49

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Coborrower does not have a documented 12 month housing payment history, missing XXXX. Originator Waiver applied to Non-Material Finding with Comp Factors. - Due Diligence Vendor-06/19/2026
Ready for Review-Document Uploaded. - Seller-06/18/2026
Open-Housing History Does Not Meet Guideline Requirements Coborrower does not have a documented 12 month housing payment history, missing XXXX.
- Due Diligence Vendor-06/15/2026

Ready for Review-Document Uploaded. - Seller-06/18/2026

Waived-Coborrower does not have a documented 12 month housing payment history, missing XXXX. Originator Waiver applied to Non-Material Finding with Comp Factors. - Due Diligence Vendor-06/19/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728

LTV is less than guideline maximum - Required is 80 Borrower has 31.23

Qualifying DTI below maximum allowed - Required is 55 Borrower has 32.01

1. Required is 680 Borrower has 720. 2. Required is 80 Borrower has 31.23. 3. Required is 55 Borrower has 32.01.

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

Originator Post-Close

Yes

XXXX

4000131238

Closed

finding-3652

2026-06-12 15:54

2026-07-01 11:07

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Upon further review, COC for rate lock increased points and decreased lender credit. Lender credit not listed on COC. Finding Resolved. - Due Diligence Vendor-07/01/2026
Ready for Review-Document Uploaded. - Seller-06/30/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($829.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $829 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $829 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-06/12/2026

Ready for Review-Document Uploaded. - Seller-06/30/2026

Resolved-Upon further review, COC for rate lock increased points and decreased lender credit. Lender credit not listed on COC. Finding Resolved. - Due Diligence Vendor-07/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 805

LTV is less than guideline maximum - Required is 80 Borrower has 46.49

Qualifying DTI below maximum allowed - Required is 55 Borrower has 15.13

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

XXXX

4000134886

Closed

FCRE0025

2026-06-17 10:37

2026-06-23 16:18

Resolved

1 - Information

Credit

Eligibility

Borrower is party to a lawsuit according to the 1003 declaration

Resolved-After further review, borrower is a part of an active lawsuit, however the attorney representing the borrower states the lawsuit lacks merit and should be dismissed in the near future. Condition resolved - Due Diligence Vendor-06/22/2026

Ready for Review-AUS did not require the lawsuit to be closed and the attorney letter provide supports no impact on the borrower’s ability to repay the mortgage loan. - Seller-06/18/2026

Open-Borrower is party to a lawsuit according to the 1003 declarations. Attorney letter in file indicates lawsuit has not been resolved yet. - Due Diligence Vendor-06/18/2026

Ready for Review-AUS did not require the lawsuit to be closed and the attorney letter provide supports no impact on the borrower’s ability to repay the mortgage loan. - Seller-06/18/2026

On time mortgage history exceeds guideline requirement - 0x30x12 on mortgage histories on rental investments.

Verified employment history exceeds guidelines - B1 has been in business since 6/1/2011

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000134886

Closed

FCRE1484

2026-06-23 15:17

2026-06-23 15:42

Resolved

1 - Information

Credit

Assets

Asset 6 Does Not Meet Guideline Requirements

Resolved-After further review assets 6 is acceptable. - Due Diligence Vendor-06/23/2026

Open-Asset 6 Does Not Meet Guideline Requirements - Due Diligence Vendor-06/23/2026

Resolved-After further review assets 6 is acceptable. - Due Diligence Vendor-06/23/2026

On time mortgage history exceeds guideline requirement - 0x30x12 on mortgage histories on rental investments.

Verified employment history exceeds guidelines - B1 has been in business since 6/1/2011

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000134886

Closed

FCRE1191

2026-06-18 12:19

2026-06-23 15:38

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than AUS Required Reserves (Dollar Amount)

Resolved-Received 92 page asset docs. Sourced EMD to XXXX check XXXX cleared XXXX, assets available exceed reserves required per AUS - Due Diligence Vendor-06/23/2026
Ready for Review-We only used these assets to document funds to cover the lawsuit liability. This entity is the one named in the lawsuit - Seller-06/22/2026
Counter-Received bank statements. Missing ownership documentation for business account XXXX confirming 100% ownership. - Due Diligence Vendor-06/22/2026
Ready for Review-Document Uploaded. assets - Seller-06/18/2026
Open-Audited Reserves of $X are less than AUS Required Reserves of $XXXXX - Due Diligence Vendor-06/18/2026

Ready for Review-We only used these assets to document funds to cover the lawsuit liability. This entity is the one named in the lawsuit - Seller-06/22/2026

Ready for Review-Document Uploaded. assets - Seller-06/18/2026

Resolved-Received 92 page asset docs. Sourced EMD to XXXX check XXXX cleared XXXX, assets available exceed reserves required per AUS - Due Diligence Vendor-06/23/2026

On time mortgage history exceeds guideline requirement - 0x30x12 on mortgage histories on rental investments.

Verified employment history exceeds guidelines - B1 has been in business since 6/1/2011

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000134886

Closed

FCRE1440

2026-06-18 11:55

2026-06-23 15:35

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Upon further review, housing history documented per AUS requirements. - Due Diligence Vendor-06/22/2026
Ready for Review-AUS file would follow AUS regarding rent requirements... which we did - Seller-06/18/2026
Open-Housing History Does Not Meet Guideline Requirements B1 & B2 currently rent. Lease agreement provided with 2 checks for rent XXXX and XXXX. Missing complete 12 months history - Due Diligence Vendor-06/18/2026

Ready for Review-AUS file would follow AUS regarding rent requirements... which we did - Seller-06/18/2026

Resolved-Upon further review, housing history documented per AUS requirements. - Due Diligence Vendor-06/22/2026

On time mortgage history exceeds guideline requirement - 0x30x12 on mortgage histories on rental investments.

Verified employment history exceeds guidelines - B1 has been in business since 6/1/2011

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000134886

Closed

FCRE9501

2026-06-18 12:08

2026-06-23 15:28

Resolved

1 - Information

Credit

Assets

Total Qualified Assets Post-Close is Less than $0

Resolved-Received 92 page asset docs. Sourced EMD to XXXX check XXXX cleared XXXX - Due Diligence Vendor-06/23/2026
Ready for Review-We only used these assets to document funds to cover the lawsuit liability. This entity is the one named in the lawsuit - Seller-06/22/2026
Counter-Received bank statements. Missing ownership documentation for business account XXXX confirming 100% ownership. - Due Diligence Vendor-06/22/2026
Ready for Review-Document Uploaded. sufficient assets - Seller-06/18/2026
Open-Total Qualified Assets Post-Close amount is '$XXXXX'. Assets are Insufficient. Assets missing from loan file - Due Diligence Vendor-06/18/2026

Resolved-Received 92 page asset docs. Sourced EMD to XXXX check XXXX cleared XXXX- Due Diligence Vendor-06/23/2026

On time mortgage history exceeds guideline requirement - 0x30x12 on mortgage histories on rental investments.

Verified employment history exceeds guidelines - B1 has been in business since 6/1/2011

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000134886

Closed

FCOM1352

2026-06-18 13:26

2026-06-22 12:33

Resolved

1 - Information

Credit

Missing Doc - Credit

Business Purpose Affidavit/Disclosure Missing

Resolved-Upon further review, file contained occupancy affidavit provided for AUS investment property purchase. - Due Diligence Vendor-06/22/2026

Ready for Review-Business Purpose Affidavit is not required under an AUS program - Seller-06/18/2026

Open-Business Purpose Affidavit/Disclosure Missing as required by GL - Due Diligence Vendor-06/18/2026

Ready for Review-Business Purpose Affidavit is not required under an AUS program - Seller-06/18/2026

Resolved-Upon further review, file contained occupancy affidavit provided for AUS investment property purchase. - Due Diligence Vendor-06/22/2026

On time mortgage history exceeds guideline requirement - 0x30x12 on mortgage histories on rental investments.

Verified employment history exceeds guidelines - B1 has been in business since 6/1/2011

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000134720

Closed

FCRE0197

2026-06-17 23:51

2026-06-24 14:42

Resolved

1 - Information

Credit

Eligibility

The Final SELLER CD/HUD is missing

Resolved-Received Fully executed CD - Due Diligence Vendor-06/24/2026

Ready for Review-Document Uploaded. - Seller-06/23/2026

Counter-CD provided is cutoff at the top, please provide legible Seller CD per initial finding. - Due Diligence Vendor-06/23/2026

Ready for Review-q - Seller-06/19/2026

Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-06/18/2026

Ready for Review-Document Uploaded. - Seller-06/23/2026

Ready for Review-q - Seller-06/19/2026

Resolved-Received Fully executed CD - Due Diligence Vendor-06/24/2026

DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.09 Required is 0.75 Borrower has 1.09

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 791 Required is 700 Borrower has 791

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000130153

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

4000133221

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX

4000129784

Closed

finding-3652

2026-06-22 16:19

2026-06-24 11:26

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-06/24/2026
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXXXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $XXXXto $XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. COC in file does not provide amount for decrease - Due Diligence Vendor-06/22/2026

Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-06/24/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.44 Required is 50 Borrower has 36.44

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

XXXX

4000135255

Closed

FCRE1200

2026-06-29 09:19

2026-07-09 09:27

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Matrix updated, min loan amount is $XXX. - Due Diligence Vendor-07/09/2026
Ready for Review-Document Uploaded. Please see investor matrix and lock. Min loan amount is $XXX, no exception required - Seller-07/07/2026
Counter-Received rebuttal. Matrix reflects minimum loan as $XXXX. Original finding remains. - Due Diligence Vendor-07/02/2026
Ready for Review-please see the matrix - allowed as per the guidelines - Seller-07/01/2026
Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX- Due Diligence Vendor-06/29/2026

Ready for Review-Document Uploaded. Please see investor matrix and lock. Min loan amount is XXXX, no exception required - Seller-07/07/2026
Ready for Review-please see the matrix - allowed as per the guidelines - Seller-07/01/2026

Resolved-Matrix updated, min loan amount is $100K. - Due Diligence Vendor-07/09/2026

On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12

Months Reserves exceed minimum required - 36.27 mos reserves; 3 mos required

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

XXXX

4000135244

Closed

FCRE0187

2026-06-29 19:31

2026-07-09 13:30

Resolved

1 - Information

Property

Loan does not meet Flip transaction requirements

Resolved-After further review- flip G/L only apply to HPML loans for owner occupied properties. As subject is an investment and RESPA/TILA is not applicable - subject is not considered a flip transaction. Appraiser confirms the subject has been completely updated at the time of observation with new roof, kitchen, baths, tile flooring throughout, impact windows, appliances and fresh interior and exterior paint. Value is supported. - Due Diligence Vendor-07/09/2026
Counter-Received Lender Rebuttal. Review of Appraisal confirm property acquired XXXX and purchase contract signed XXXX. Due to significant increase, a BPO or Borrower to document proof of cost of improvements. Finding remains. - Due Diligence Vendor-07/09/2026
Ready for Review-This finding is not required. Flip Guidelines only apply to HPML loans, By definition Investment loans do not fall under HPML requirements, those only apply to primary residences. Please escalate or waive - Seller-07/06/2026
Counter-Received rebuttal to confirm guidelines. Increase exceeds 20%. Original finding remains. - Due Diligence Vendor-07/02/2026
Ready for Review-Document Uploaded. does not apply - see guidelines page 29 - Seller-07/01/2026
Open-Subject loan is a flip transaction.The price in the borrower’s purchase agreement exceeds the property Seller’s acquisition price by more than 10% if the property Seller acquired the property 90 or fewer days prior to the date of the borrower’s purchase agreement. The acquisition date is the day the seller became the legal owner. The purchase date is the day the borrower and the seller sign the home purchase agreement (property acquired XXXX. Sales contract signed XXXX. A second appraisal must be obtained. The second appraisal must be dated prior to the loan consummation/note date. Increases in value should be documented with commentary from the appraiser and recent comparable sales. Sufficient documentation to validate the actual cost to construct or renovate (e.g., purchase contracts, plans and specifications, receipts, invoices, lien waivers, etc.) must be provided, if applicable. A second appraisal was not provided. - Due Diligence Vendor-06/29/2026

Ready for Review-This finding is not required. Flip Guidelines only apply to HPML loans, By definition Investment loans do not fall under HPML requirements, those only apply to primary residences. Please escalate or waive - Seller-07/06/2026

Ready for Review-Document Uploaded. does not apply - see guidelines page 29 - Seller-07/01/2026

Long term residence - Borrower has resided at current primary residence for 12 years.

Months Reserves exceed minimum required - Reserves = 14.28 months – Required Reserves = 3 Months

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000135244

Closed

FCRE1204

2026-06-29 08:17

2026-07-08 12:01

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-07/08/2026

Ready for Review-Document Uploaded. - Seller-07/07/2026

Open-Fraud Report Shows Uncleared Alerts Fraud Risk score 979,-This loan scored in the range 700 or higher, with an above average risk of fraud, increasing as the score increases. In the 800-899 range, risk is 3X and 900-999 it is up to 10X. Open High alerts on report. Requires a Senior managerm due to risk score over 800. - Due Diligence Vendor-06/29/2026

Ready for Review-Document Uploaded. - Seller-07/07/2026

Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-07/08/2026

Long term residence - Borrower has resided at current primary residence for 12 years.

Months Reserves exceed minimum required - Reserves = 14.28 months – Required Reserves = 3 Months

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

XXXX

4000132476

ATR/QM: Exempt

XXXX

Investment

Purchase

XXXX