Loan Number
Seller Loan Number
Originator
Last Name
Note Date
Original Balance
State
TPR QM ATR Status
Loan Status
Exception Date
Remediation Status
Exception ID
Exception Type
Exception Category
Exceptions
Exception Rebuttal
Exception Rebuttal Date
Exception Rebuttal Response
Exception Rebuttal Response Date
Compensating Factors
Initial Overall Loan Grade
Final Overall Loan Grade
Initial Exception Grade
Final Exception Grade
Initial Credit Grade
Final Credit Grade
Initial Property Valuation Grade
Final Property Valuation Grade
Initial Compliance Grade
Final Compliance Grade
Initial Overall Grade (DBRS/Morningstar)
Initial Credit Grade (DBRS/Morningstar)
Initial Property Valuation Grade (DBRS/Morningstar)
Initial Compliance Grade (DBRS/Morningstar)
Initial Overall Grade (Fitch)
Initial Credit Grade (Fitch)
Initial Property Valuation Grade (Fitch)
Initial Compliance Grade (Fitch)
Initial Overall Grade (Kroll)
Initial Credit Grade (Kroll)
Initial Property Valuation Grade (Kroll)
Initial Compliance Grade (Kroll)
Initial Overall Grade (Moodys)
Initial Credit Grade (Moodys)
Initial Property Valuation Grade (Moodys)
Initial Compliance Grade (Moodys)
Initial Overall Grade (S&P)
Initial Credit Grade (S&P)
Initial Property Valuation Grade (S&P)
Initial Compliance Grade (S&P)
Final Overall Grade (DBRS/Morningstar)
Final Credit Grade (DBRS/Morningstar)
Final Property Grade (DBRS/Morningstar)
Final Compliance Grade (DBRS/Morningstar)
Final Overall Grade (Fitch)
Final Credit Grade (Fitch)
Final Property Grade (Fitch)
Final Compliance Grade (Fitch)
Final Overall Grade (Kroll)
Final Credit Grade (Kroll)
Final Property Grade (Kroll)
Final Compliance Grade (Kroll)
Final Overall Grade (Moodys)
Final Credit Grade (Moodys)
Final Property Grade (Moodys)
Final Compliance Grade (Moodys)
Final Overall Grade (S&P)
Final Credit Grade (S&P)
Final Property Grade (S&P)
Final Compliance Grade (S&P)
800536
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)  
Loan Review Complete  
01/26/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
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800536
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/26/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
A
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800536
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/27/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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800524
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational ;.
01/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.86% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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800524
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational ;.
01/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.86% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
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800524
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational ;.
01/16/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.86% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
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800537
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational ;.
01/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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800537
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational ;.
01/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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800537
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational ;.
01/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
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800538
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Per the title commitment the proposed insured amount is less than the note amount.
Document Uploaded.
02/16/2026
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title provided.
02/17/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.44% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.44% is less than Guideline LTV of 89.99%
B
A
B
A
B
A
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B
B
A
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B
B
A
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B
B
A
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B
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B
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800538
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational ;.
01/16/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.44% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.44% is less than Guideline LTV of 89.99%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
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B
B
A
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B
B
A
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B
B
A
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800538
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational ;.
01/16/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.44% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.44% is less than Guideline LTV of 89.99%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
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B
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B
A
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800535
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational ;.
01/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
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800535
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/12/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational ;.
01/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
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800535
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/16/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
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800534
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
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800534
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
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800534
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/14/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
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A
800478
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/05/2026
Acknowledged
FCRE1492
Credit
Cash Out Does Not Meet Guideline Requirements
Cash-out of XXX exceeds maximum of XXX per guidelines
Document Uploaded. Investor exception approval; Document Uploaded. Per Lender: Hi, I'm only calculating XXX total cash out. Can you please review attach and advise.
01/13/2026
Exception provided, Cash out exceeds XXX Comp factors: 54% LTV is XXX% below max, XXX% DTI is XXX% below max XXX% Credit depth: XXX year credit history including XXX-yr mortgage history paid as agreed, Exception approved. ; ; Borrower paid off non purchase 2nd lien at closing, total cash out exceeds the maximum of XXX
01/13/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800478
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/29/2025
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
12/30/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800478
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/29/2025
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
12/30/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800478
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
12/29/2025
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
12/30/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.57% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
C
B
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800549
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational ;.
01/16/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
800549
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational ;.
01/16/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800549
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/16/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/16/2026
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800547
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800547
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/15/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800547
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/15/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
800542
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800542
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800542
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/29/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800546
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/19/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Property Located: XXX XXX missing (REO Statement) & XXX-month VOM
Document Uploaded. XX/XX/XXXX XXX: Please see that the borrower is not personally obligated on the property or the mortgage tied to the property at XXX.
01/27/2026
Evidence to support not personally obligated on XXX property. Resolved.
01/28/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800546
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/21/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800546
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/21/2026
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800544
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FCRE1161
Credit
Flood Certificate Missing
Missing Flood Certificate Missing Flood Certificate
Document Uploaded. XX/XX/XXXX - XXX: Please see attached.
01/22/2026
Flood Certificate is fully present
01/27/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.99% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.99% is less than Guideline CLTV of 89.99%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800544
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/14/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational ;.
01/16/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.99% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.99% is less than Guideline CLTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800544
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/15/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/16/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.99% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.99% is less than Guideline CLTV of 89.99%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800533
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/09/2026
Resolved
FCRE1964
Credit
Missing income documentation
Provide documentation to support expense of XXX reflected on Final 1003 not included in mortgage payment.
Document Uploaded. XX/XX/XXXX - XXX: Please see the attached document confirming XXX in monthly HOA dues for XXX XXX
02/16/2026
Evidence provided.
02/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800533
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/06/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
02/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800533
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
02/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800526
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/15/2026
Resolved
FCRE7347
Credit
Missing Lease Agreement
Provide lease agreement to support rental income for the property located at XXX. Rental income Stated $XXX. Please provide supportive documentation. Lease agreement or XXX/XXX Tax Returns
Document Uploaded.
02/11/2026
;
02/17/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800526
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/13/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
01/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800526
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/18/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/19/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800541
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Resolved
FCOM1544
Compliance
TRID: Missing Closing Disclosure
Prior Bridge Loan to XXX Property XXX Executed Closing Disclosure is missing from the file.
    
TRID: Final Closing Disclosure Provided.; TRID: Final Closing Disclosure Provided.
08/04/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800541
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
03/20/2026
Rescinded
FCOM5454
Credit
Non-Subject Note Missing
Promissory Note for Bridge Loan from XXX is missing from the file.
    
Finding raised in error. No bridge loan present
08/04/2026
  
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800541
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/20/2026
Rescinded
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Compliance finding identified after post QC review. ; Informational
03/20/2026
  
D
A
A
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800541
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/22/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/26/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800541
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/26/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/26/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.98% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800543
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/19/2026
Rescinded
FCRE5116
Credit
Missing VOM or VOR
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR not in file.
XX/XX/XXXX XXX: A VOR is not required since the borrowers are purchasing this new primary and occupying as an primary residence
01/27/2026
VOR not required on AUS.
01/28/2026
  
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800543
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/16/2026
Resolved
finding-3652
Compliance
Lender Credits That Cannot Decrease Test
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. No COC documenting the decrease was located in the file.
Document Uploaded. XXX XXX/XXX: Please see attached Rate Lock sheets and corresponding disclosure. On XX/XX/XXXX the rate changed, affecting the LLPA, negative pricing disclosed on the XX/XX/XXXX CD
01/22/2026
Valid COC provided; Exception resolved; Valid COC provided; Exception resolved
01/24/2026
  
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800543
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/19/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/21/2026
  
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800540
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing from the file. The Privacy Notice/Disclosure on page XXX does in fact verify that the Lender does have Affiliates. The defect can be resolved by providing the missing disclosure.
Document Uploaded.
01/30/2026
Required Affiliated Business Disclosure Documentation Provided
01/30/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800540
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. The file contained XXX Appraisal Acknowledgments on pages XXX and XXX all of which contradicted each other. The defect can be resolved by providing the missing disclosure.
Document Uploaded.
01/30/2026
Evidence of appraisal delivery provided.
01/30/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800540
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/29/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
01/29/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800540
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/29/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
01/29/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
A
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800531
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/10/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
02/10/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800531
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/10/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
02/10/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800477
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/23/2026
Rescinded
FCRE3860
Credit
SCIF Document Missing
This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after March XXX or this is an FHA loan with an application date after August XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present.
SCIF found on pages XXX and XXX
01/27/2026
; This Supplemental Consumer Information Form is Present.
01/27/2026
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800477
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/23/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
  
Informational Only
01/26/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.19% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800477
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/23/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
01/26/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.19% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.19% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/05/2026
Resolved
FCRE9995
Credit
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.
Document Uploaded. The first document in the asset bucket is the XXX transaction history for acct # XXX with a balance of $XXX. Did you not accept this document or did it not get sent?
02/11/2026
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided updated bank Statement for XXX dated XX/XX/XXXX with a balance of $XXX. LM Updated.
02/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/05/2026
Resolved
FCRE1198
Credit
Audited Reserves are less than Guideline Required Reserves (Number of Months)
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s)
Document Uploaded. Per Lender: The first document in the asset bucket is the XXX transaction history for acct # XXX with a balance of $XXX. Did you not accept this document or did it not get sent?
02/11/2026
Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client provided updated bank Statement forXXX dated XX/XX/XXXX with a balance of $XXX. LM Updated.
02/12/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/05/2026
Rescinded
FCRE9992
Credit
Borrower Contributions Do Not Met Guideline Minimum
Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX%
  
SEt in error; Borrower Contributions Meet Guidelines
02/05/2026
  
C
A
A
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/29/2026
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. Disclosure tracking page XXX shows 1st appraisal was provided on XX/XX/XXXX.
Document Uploaded. Appraisal delivery
02/03/2026
Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided.
02/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/29/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points. The COC dated XX/XX/XXXX States discount points were increased because the XXX increased but the XXX of XXX remained the same through all LE's and CD's.
Document Uploaded. COC uploaded
02/03/2026
Valid COC provided; exception resolved; Valid COC provided; exception resolved
02/04/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/28/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
01/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800476
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
01/29/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
01/30/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
A
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Waived
FCRE5116
Credit
Missing VOM or VOR
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Waived
FCRE1358
Credit
Borrower 2 W2/1099 Missing
Borrower 2 W2/1099 Missing. Required per XXX Overlay.
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#; Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX)
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Waived
FCRE1360
Credit
Borrower 2 Paystubs Missing
Borrower 2 Paystubs Missing. Required per XXX Overlay.
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX).
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Waived
FCRE1328
Credit
Borrower 1 W2/1099 Missing
Borrower 1 W2/1099 Missing. Required per XXX Overlay
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#; Borrower 1 W2/XXX Provided
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Waived
FCRE1330
Credit
Borrower 1 Paystubs Missing
Borrower 1 Paystubs Missing. Required per XXX Bulk Overlay
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 79.09%. AUS allowed for a WVOE from The Work#; Borrower 1 Paystubs Provided.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCRE1182
Credit
Approval/Underwriting Summary Not Provided
Missing Approval/Underwriting Summary.
; ; Documentation received, XXX to review.; Document Uploaded. ; Please see condition. Seller to provide the XXX.; ; ; ;
07/28/2026
Client provided XXX LM Updated. Cleared.; Approval/Underwriting Summary is fully present
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
B
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points/Loan discount fee. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).
; Documentation received, XXX to review.; Document Uploaded. Initial CD. Decreased on Final CD;
07/28/2026
Initial CD provided; exception resolved; Initial CD provided; exception resolved
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
C
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800099
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" 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.
; Document Uploaded. ; Documentation received, XXX to review.;
07/28/2026
Initial CD provided; exception resolved; Initial CD provided; exception resolved
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.09% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
B
C
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800105
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800102
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCRE1437
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines. Missing proof of New IRA distribution being set up in the amount of XXX monthly.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Income and Employment Meet Guidelines.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800102
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800104
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/27/2026
Resolved
FCRE0377
Credit
The Total Hazard Coverage is LESS than the Required Coverage Amount
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
HOI policy States XXX% replacement coverage. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
C
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800104
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/17/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy. Subject property HOI is missing. Audit updated monthly premium of XXX using Final 1003
; Documentation received, XXX to review.; Document Uploaded. ;
07/27/2026
Hazard Insurance Policy is fully present.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800104
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded..;
07/27/2026
Evidence of eConsent is provided.
07/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800100
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Waived
FCRE1319
Credit
Borrower 1 Personal Tax Returns Missing
Borrower 1 Personal Tax Returns Missing. Borrower disclosed working for family member. Provide recent year's tax returns to meet guidelines that borrower is not self XXX
; ; XXX - we will waive for B grade. Comp Factors: XXX) XXX% DTI XXX) XXX FICO XXX) 80% LTV ; Please see updated condition. The borrowers disclosed on the loan application XXX by a family member, property seller, real eState agent, or other party to the transaction. ; ; Documentation received, XXX to review.; Document Uploaded. ;
08/07/2026
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) 80% LTV.; Client provided email stating: You are correct. Neither XXX has any ownership in XXX or any of its entities. They are only W2 employees. However, XXX AUS Program Eligibility Guide v23 - Borrowers XXX by Family - • YTD paystub, • Two XXX years W-2s and • Two XXX years personal tax returns with two XXX years tax transcripts. • VVOE • Borrower’s potential ownership in the business must be addressed.
08/07/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800100
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Waived
FCRE1350
Credit
Borrower 2 Personal Tax Returns Missing
Borrower 2 Personal Tax Returns Missing. Borrower disclosed working for family member. Provide recent year's tax returns to meet guidelines that borrower is not self XXX
; ; XXX - we will waive for B grade. Comp Factors: XXX) XXX% DTI XXX) XXX FICO XXX) 80% LTV ; Please see updated condition. The borrowers disclosed on the loan application XXX by a family member, property seller, real eState agent, or other party to the transaction. ; ; Documentation received, XXX to review.; Document Uploaded. ;
08/07/2026
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) 80% LTV.; Client provided email stating: You are correct. Neither XXX has any ownership in XXX or any of its entities. They are only W2 employees. However, XXX AUS Program Eligibility Guide v23 - Borrowers XXX by Family - • YTD paystub, • Two XXX years W-2s and • Two XXX years personal tax returns with two XXX years tax transcripts. • VVOE • Borrower’s potential ownership in the business must be addressed.
08/07/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
B
D
B
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800100
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCRE1241
Credit
Purchase Contract is Missing
Loan Purpose is Purchase but Purchase Contract Doc is Missing.
; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Please see condition. Seller to provide a Purchase Contract.
07/27/2026
Updated Purchase contract was received with the correct sale amount.
07/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
D
B
D
A
D
B
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800096
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800094
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800111
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/17/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy. Missing Hazard Insurance Policy.
; Documentation received, XXX to review.; Document Uploaded. ; Please see updated condition. ; Documentation received, XXX to review.; Document Uploaded. ; ;
07/28/2026
Hazard insurance provided for the subject property and it confirmed sufficient coverage. Condition resolved.; Hazard Insurance Policy is fully present.; The HOI binder was provided; however, the document was blank in all of the fields. Please provide the completed HOI policy confirming sufficient coverage.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 48.23% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.23% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800111
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/17/2026
Rescinded
FCRE1347
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. Borrower 2 3rd Party VOE Prior to Close Missing.
; ; ; XXX - The borrowers are self XXX and the VOE for self employment was executed on XX/XX/XXXX which is prior to closing. ;
07/28/2026
XXX States: XXX - The borrowers are self XXX and the VOE for self employment was executed on XX/XX/XXXX which is prior to closing. Verified. LM Updated. Cleared.
07/28/2026
  
D
A
A
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800111
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ; ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 48.23% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.23% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800107
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Waived
FCRE1182
Credit
Approval/Underwriting Summary Not Provided
Missing Approval/Underwriting Summary. The XXX is missing
; ; XXX- Please waive for a B grade. FICO XXX DTI XXX% and LTV/CLTV 80%;
07/28/2026
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI XXX% and LTV/CLTV 80%
07/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
B
B
B
B
A
A
B
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
800107
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided. The eSigned documents consent is missing.
07/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
B
A
B
B
A
A
B
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
800107
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/20/2026
Waived
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to consummation date is required, but missing from the file. The borrower electronically signed the appraisal delivery waiver disclosure and the appraisal Delivery is in the file; however, States pending e-consent and was not accepted. Provide evidence when the borrower accepted the electronic delivery of the appraisal.
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 80%;
07/28/2026
Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI XXX% and LTV/CLTV 80%.
07/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
B
B
B
B
B
A
A
B
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
800110
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800101
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Waived
FCOM1231
Credit
The Initial 1003 is Missing
The Initial 1003 is Missing. Provide executed Initial 1003 for each borrower
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX LTV/CLTV 80%, and Job Stability - over XXX years. ;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX LTV/CLTV 80%, and Job Stability - over XXX years.; The Initial 1003 is Present
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
D
B
D
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800101
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" 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.
; Documentation received, XXX to review.; Document Uploaded. ; Please see condition. Seller to provide any CD dated prior to XX/XX/XXXX.
07/28/2026
Initial CD provided; exception resolved; Initial CD provided; exception resolved
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
D
B
C
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800101
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCOM1266
Compliance
Homeownership Counseling Disclosure Is Missing
Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Homeownership Counseling Disclosure Is Present or Not Applicable.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
D
B
B
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800101
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; ; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
D
B
B
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800093
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCRE1157
Credit
Hazard Insurance Policy is Missing
Missing Hazard Insurance Policy. Provide Hazard Insurance Policy for subject property and verify annual premium does not exceed XXX
; ; Documentation received, XXX to review.; Document Uploaded. ; ;
07/28/2026
Client provided letter from XXX stating: XXX policies that include Option ID (or endorsement FE-XXX in XXX) are insured for a coverage amount that is equal to XXX% of the estimated replacement cost of the home. Please refer to your copy of the policy declarations page to confirm whether option ID has been activated. XXX Does have Option ID (FE-XXX in XXX). LM Updated. Cleared.; Hazard Insurance Policy is fully present.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%
D
B
D
A
D
B
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800093
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Waived
FCOM1231
Credit
The Initial 1003 is Missing
The Initial 1003 is Missing. Provide executed Initial 1003 for each borrower
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX LTV/CLTV 80%, and Job stability; ;
07/28/2026
XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX LTV/CLTV 80%, and Job stability; The Initial 1003 is Present
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%
D
B
D
B
D
B
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800093
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ; ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%
D
B
B
A
D
B
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800098
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/22/2026
Resolved
FCRE3978
Credit
Missing Letter of Explanation (Credit)
Provide evidence that no new open tradelines resulted from credit inquiry(ies) by XXX on XX/XX/XXXX
; Documentation received, XXX to review.; Document Uploaded. ; ;
07/28/2026
Client provided LOE stating: I don't know the nature of the XXX inquiry. No debt was obtained and do not have any XXX credit/accounts.
07/28/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.48% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.48% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800098
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/22/2026
Resolved
FCRE5116
Credit
Missing VOM or VOR
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide Verification of Mortgage (VOM) for XXX HELOC #XXX to verify having no late payments in past XXX months
; XXX - Please clear this condition as the XXX HELOC does not have an open balance. ;
07/27/2026
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing
07/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.48% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.48% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800097
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/22/2026
Resolved
FCRE8279
Credit
Missing evidence tax return extension was filed.
  
; ; Documentation received, XXX to review.; Document Uploaded. ; ; XXX- Can you please update with a comment of what is needed?
07/28/2026
Client provided Form XXX Automatic Extension of Time and XXX reflecting Extension transmitted. LM Updated. Cleared.; The loan application was taken after XX/XX/XXXX. Please provide evidence that the XXX tax return extension was filed. ;
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800097
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/21/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
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A
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A
A
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A
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A
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A
800097
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/22/2026
Resolved
FCRE6737
Credit
Missing Letter of Explanation (Income)
Provide satisfactory documentation to support excluding non recurring income and loans payable in less than one year from XXX and 1120S income analysis to support qualifying incomes from borrower XXX
; Documentation received, XXX to review.; Document Uploaded. Please see CPA LOX. They address this in reference to #XXX. UW also gives explanation on workbook;
07/28/2026
Client provided CPA LOE stating: for the line items that say ‘Other Income’ those are made up of a bunch of different accounts. We do not know what goes into those accounts. For the line items that say ‘Document Fee Income’, this relates to document fees charged related to customer car purchases, so yes, those would be ongoing. Similarly the ‘Finance and Insurance Income’ line item relate to commissions paid by lenders for financing vehicles and the sale of various insurance-type products such as extended service contracts or similar products. These also are a part of a typical auto sale, so these would likely be ongoing as well. Mortgages payable in less than a year - those amounts are the Floor Plan Financing (or Flooring) on the vehicles in inventory. Generally, if there is inventory, there will be flooring. LM Updated. Cleared.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
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A
800106
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/23/2026
Waived
FCRE1481
Credit
Asset 3 Does Not Meet Guideline Requirements
Asset Record XXX Does Not Meet G/L Requirements. Missing second consecutive month for XXX #XXX
; ; XXX - Please waive this condition for a B grade. Comp Factors: FICO XXX DTI XXX% and LTV/CLTV 64.18%;
07/28/2026
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI XXX% and LTV/CLTV 64.18%.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.18% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.18% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
B
D
B
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800106
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/22/2026
Resolved
FCRE1180
Credit
HO-6 Insurance Policy is Missing
HO-6 Insurance Policy is Missing. Provide evidence HO-6 Insurance Policy was in effect at time of closing. Premium to meet DTI requirements
; ; Document Uploaded. XXX - Uploaded the Master Policy for your review. ;
07/28/2026
Client provided Master Insurance Policy. Policy reflects "All-In"/"Walls-In" coverage. LM Updated. Cleared.; HO-6 Insurance Policy is fully present.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.18% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.18% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
B
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800106
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/22/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before for XXXXX and XX/XX/XXXX for XXXXX.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.18% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.18% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
B
A
D
B
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
800108
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
800095
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
800109
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/23/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
; Documentation received, XXX to review.; Document Uploaded. ;
07/28/2026
Evidence of eConsent is provided.
07/28/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.49% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.49% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
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A
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A
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A
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A
A
A
A
A
A
A
800450
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/09/2026
Resolved
FCRE8999
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
02/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
800450
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/09/2026
Resolved
FPRO8998
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
02/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
800450
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
02/09/2026
Resolved
FCOM8997
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
02/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
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A