Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Condition Category

Condition Sub Category

Condition Status

Initial Securitization Condition Grade

Final Securitization Condition Grade

Initial S&P Condition Grade

Final S&P Condition Grade

Condition Code

Condition Description

Condition Material Indicator

Initial Comments

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

Compensating Factors

409040457

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

Inspection fee added to section B for $XXX on initial CD XXX without a valid change of circumstance in file. Per XXX tracking, a revised LE XXX with COC (possibly with added Inspection fee) was issued but both disclosures are missing. Condition is pending receiving missing disclosure for further testing. Additional conditions may apply.

08/04/2026 Client provided LE XXX with COC reflecting Appraisal re-inspection fee due to recertification required to determine if the property has declined in value since the date of the original Appraisal XXX.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

409040457

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

Missing final verification of employment for XXX from XXX no more than 10 business days prior to the note date. Verification of employment provided is not dated.

8.6.2026 Client provided VVOE dated XXX for B1 dated within 10 business days of Note

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

409043586

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Borrower's Interest

Satisfied

CMPBI1623

MA Borrower Interest; Worksheet missing

A copy of executed MA Borrower Interest; Worksheet missing

05/15/2026 Client provided missing Ma Borrowers interest worksheet dated XXX

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

409043586

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Satisfied

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

List of Homeowners Counseling Organizations not in file

05/15/2026 Client provided missing List of homeowners counseling organizations dated XXX

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

409043586

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Satisfied

CRDCRMH123

No evidence of required debt payoff

Missing pay off demand for XXX Bank with amount of $XXX.

5.15.2026 Client provided duplicate (in file) copy of 1st lien mtg statement w/XXX Bank however initial condition is for missing copy of payoff of 2nd lien w/XXX Bank in the amount of $XXX; condition remains 5.19.2026 Client provided copy of payoff for Citizens Bank

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

409043586

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated third-party property valuation product due to CU score of 2.6. Appraised value of $XXX to be supported.

5.15.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

409043825

XXXXXX

QM: Safe Harbor (APOR)

Credit

Application

Satisfied

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

Application indicates borrower is a non-permanent resident and required documentation for residency was not provided.

4/20 Client provided I 94 Form valid through 2027

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXX years with current employer, XXX years in the field.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX

409043825

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Waived

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

Credit report and VOR show rental payment history from XXX, and additional XXX months payment history is required.

4/20 Client provided an approved exception to allow the file without the VOR

XXX final grade is B

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXX years with current employer, XXX years in the field.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX

409043923

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.

CFCFS1737: LTV below guideline requirements

- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.

409043923

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2408

Income verification does not meet guidelines

Per the WVOE, the borrower's termination date from the previous employment was XXX and the borrower started their current employment on XXX. The file does not contain a letter of explanation for the gap in employment.

5.4.2026 Client provided Borrower LOX for gap of employment from XXX- XXX (XXX month gap) for B1

Condition satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.

CFCFS1737: LTV below guideline requirements

- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.

409045521

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Determine status upon review / receipt of missing T/I/A on REO.

5.22.2026 Client provided evidence of taxes/insurance supporting the amount of $XXX however XXX. property appears to be land use as Condo having Unit #XXX, verify if any monthly HOA and to be included in DTI, if applicable. 5.29.2026 Client provided updated 1003/1008 and DU #6 submission with including monthly HOA of $XXX for XXX property for an updated DTI of XXX % however documentation supporting the monthly HOA of $XXX was not provided. Condition remains for documentation that supports the $XXX monthly HOA; if exceed $XXX will need to be included in DTI. 6/1 Client provided supporting docs for $XXX

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXXyears with current employer.

409045521

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXXyears with current employer.

409045521

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

An amount of $XXX per month for insurance, taxes, and HOA dues for XXX investment property was used in qualifying; however, supporting documentation was not in the loan file. Provide documentation to verify this amount.

5.22.2026 Client provided evidence of taxes/insurance supporting the amount of $XXX however XXX property appears to be land use as Condo having Unit #XXX, verify if any monthly HOA and to be included in DTI, if applicable. 5.29.2026 Client provided updated 1003/1008 and DU #6 submission with including monthly HOA of $XXX for XXX. property for an updated DTI of XXX% however documentation supporting the monthly HOA of $XXX was not provided. Condition remains for documentation that supports the $XXX monthly HOA; if exceed $XXX will need to be included in DTI. 6/1 Client provided supporting docs for $XXX

SAtisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXXyears with current employer.

409047604

XXXXXX

QM: Safe Harbor

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrower has XXX months mortgage payment history 0x30.

409047610

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

409049389

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.

409049733

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

409049784

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide Homeowners Insurance for XXX Document in file does not show premium

5.7.2026 Client provided copy of XXX HOI policy for XXX supporting monthly $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409049784

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Satisfied

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

The Homeowners Counseling List in the file is dated XXX. Application date is XXX.

05/05/26 Client provided the XXX HC List.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409049784

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

Provide Homeowners Insurance for XXX. Document in file does not show premium

5.7.2026 Client provided copy of XXX HOI policy for XXX supporting monthly $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409049996

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Compliance Manual

Satisfied

CMPMAN2956

Missing disclosure

07/10/26 Client provided a missing XXX COC for a Revised/Final XXX Loan Estimate, however the missing XXX LE was not included. For further testing, provide the missing XXX Final Loan Estimate.

07/15/26 Client provided the missing XXX LE.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

409049996

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Documentation

Satisfied

CMPDOC5551

Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests

Please provide the Revised Loan Estimate, Initial Closing Disclosure, and all Revised Closing Disclosures, along with the corresponding Change of Circumstance (COC) documentation supporting each revision.

07/10/26 Client provided the XXX COC (for a missing XXX LE - see XXX), XXX COC and CD, XXX COC and XXX CD, XXX COC and XXX CD, and XXX COC and CD.

Condition Satisfied.

Hybrid

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

409049996

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3496

TRID - Closing Disclosure Missing

The only complete disclosure currently in the file is the Initial Loan Estimate issued on XXX; therefore, all subsequent disclosures and supporting COC documentation are needed to complete the review.

07/10/26 Client provided the XXX COC (for a missing XXX LE - see XXX), XXX COC and CD, XXX COC and XXX CD, XXX COC and XXX CD, and XXX COC and CD.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

409050051

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER2548

Missing AUS or AUS errors present

File is missing the AUS findings with an Approve/Ineligible -or- Eligible due to loan amount.

6.18.2026 Client provided DU A/Ineligible submission #4 dated XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: Co-borrower has been with current employer since XXX

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has been with current employer since XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

409050456

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Missing paystub and W2 from prior year or VOI (1005/work#) for both borrowers as required by DU to validate income used to qualify.

5.20.2026 Client provided YTD 2026 paystub and prior two years w2's for both borrowers supporting monthly income used for qualifying

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409050456

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2302

Missing Required Income Documentation

Missing paystub and W2 from prior year or VOI (1005/work#) for both borrowers as required by DU to validate income used to qualify.

5.20.2026 Client provided YTD 2026 paystub and prior two years w2's for both borrowers supporting monthly income used for qualifying

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409050456

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Waived

CRDINSR5351

Insurance Effective date is greater than the transaction date

HOI Effective date XXX with disbursement date XXX

5.18.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.

5.18.26- waived.

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409050456

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Waived

CRDINSR5352

Flood Effective date is greater than the transaction date

Flood Ins Effective date XXX with disbursement date XXX

5.18.26- flood insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.

5.18.26- waived.

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409050739

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller-paid fees that should be disclosed in Sections F & H are not disclosed on Final CD XXX Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.

409050748

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guideline minimum XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX

CFCFS1736: Significant time at current residence

- XXX Comments: Borrowers have XXX years XXX months at current residence.

409051566

XXXXXX

ATR Risk: Non-QM - Lender did not document all ATR UW factors

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

409051590

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject $XXX x XXX

409051804

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

409051997

XXXXXX

QM: Safe Harbor (APOR)

Credit

Application

Satisfied

CRDAPP130

Application is incomplete

B1 Final 1003 states Position with XXX as XXX. Per Employment contract and VVOE - the position is President. Provide updated 1003.

6/19 Client provided corrected 1003

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

409052054

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Waived

CRDCRMH118

Mortgage/rental lates exceed guidelines

Borrower has 1x30 on a mortgage within XX months

XXX Exception approved XXX to allow a 1x30 on a mortgage within XXX months. This was a one-time occurrence and has been explained. There are no other late payments within their credit profile

XXX initial & final grade of B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX Years in Current Profession

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

409052339

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.

409052339

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2488

Verbal verification of employment missing

File is missing a Verbal Verification of Employment (VVOE) performed no more than ten (10) business days prior to the Note date.

7.27.2026 Client provided VVOE dated XXX(Note XXX)

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.

409052484

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Determine status upon review / receipt of documentation for disposition of undisclosed reo: XXX as listed on XXX report

6.18.2026 Client provided account profile review of current owner as of XXX (showing not our borrower) and XXX report last showing our borrower as owner XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves $XXX or XXX months

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV XXX%

409052484

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Satisfied

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

Lender to provide evidence that borrower does not own XXX as listed on XXX report

6.18.2026 Client provided account profile review of current owner as of XXX (showing not our borrower) and XXX report last showing our borrower as owner XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves $XXX or XXX months

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV XXX%

409052912

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.

409053030

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Property

Waived

PRVAPROP2556

Acreage exceeds property eligibility guidelines

Guidelines do not allow properties with > 40 acres.Subject Property is Agricultural Land with 41.86 acres of land

05/27/2026 Client provided an approved exception for Rural/Agricultural zoning, and 41 acres

Upon further review by Sr. Underwriter, exception is deemed non-material due XXX qualifying score, B1 > XXX years at job and excess reserves. Final Grade B

(No Data)

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX Years in Current Profession

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

409053173

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

Zero tolerance due to Appraisal Fee increase by $XXX from $XXX to $XXX on LE XXX without a valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

06/17/26 Client provided a missing XXX COC and LE package validating the Appraisal fee increase.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has stable employment with XXX years at current job.

409053173

XXXXXX

QM: Safe Harbor (APOR)

Credit

Title

Satisfied

CRDTIL796

Missing Title

Missing title report.

6/16 Client provided the title

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has stable employment with XXX years at current job.

409053349

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

409053994

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1749: Additional documented income not used in qualifying

- XXX Comments: Additional bonus income of $XXX per month (YTD + XXX / XXX mths) that was not used in qualifying.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score XXX, guideline minimum score is XXX.

409054645

XXXXXX

QM: Safe Harbor (APOR)

Credit

Application

Satisfied

CRDAPP157

Application Not Signed by Primary Borrower

1003 missing borrower signature.

7.22.2026 Client provided executed signed 1003 for both borrowers

Condition satisfied

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines

- XXX Comments: Borrower has 0x30 for XXX months.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409054645

XXXXXX

QM: Safe Harbor (APOR)

Credit

Application

Satisfied

CRDAPP227

Application Not Signed by Co-Borrower

1003 missing borrower signature.

7.22.2026 Client provided signed 1003 for both borrowers

Condition satisfied

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines

- XXX Comments: Borrower has 0x30 for XXX months.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409057370

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Compliance Manual

Satisfied

CMPMAN2956

Missing disclosure

CD XXX (with no borrower's acknowledgment of receipt) is the last CD in file. Per XXX disclosure tracking, CD XXX was emailed and received by borrower but disclosure is missing in file. Condition is pending receiving final CD acknowledged by the borrower at closing on XXX

07/13/26 Client provided the XXX Final CD, signed at Closing on XXX.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX + XXX months for XXX borrower.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower have been in the same lone of work for XXX years

409057370

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No fees paid by seller are present on final CD. Seller CD not in file; unable to complete fee entry. Please provide Seller's CD.

07/13/26 Client provided the Seller CD.

Condition Satisfied.

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX + XXX months for XXX borrower.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower have been in the same lone of work for XXX years

409057378

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXXrequired.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXXor XXX months required.

409057396

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Missing Verification of Taxes and Insurance for XXX used $XXX and taxes and insurance for XXX used PI $XXX and $XXX

7.20.2026 Client provided evidence of taxes, HOI and HOA for both properties supporting amount used on REO of 1003 and HOI reflecting no mortgage for XXX and mtg statement in file supporting PI of $XXX for XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves $XXX or XXX months

409057396

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves $XXX or XXX months

409057396

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

Missing Verification of Taxes and Insurance for XXX used $XXX and taxes and insurance for XXX used PI $XXX and $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves $XXX or XXX months

409057405

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX Years in Current Profession

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Departure Residence with intent to sale but Not under contract ( $ XXX X XXX = $ XXX)

409057405

XXXXXX

QM: Safe Harbor (APOR)

Credit

Title

Satisfied

CRDTIL796

Missing Title

7.15.2026 Client provided survey and copy of supplemental Title Report with correct policy amount of $XXX however missing copy of subject Title Commitment. Condition remains7.21.2026 Client provided Prelim Title

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX Years in Current Profession

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

CFCFS1731: Verified cash reserves exceed guidelines

409057411

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

XXX% Tolerance in the amount of $XXX due to initial increase in Recording fee from $XXX to $XXX on initial CD XXX with no valid reasons documented on COC XXX in file. Lender's credit was applied towards added Appraisal Desk Review fee and 2nd increase in Recording fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

07/21/2026 Client provided PCCD XXX and LOE stating on page 2 of the Post CD, the recording fees and Title fees have been adjusted. Condition remains for the Final ALTA/Settlement Statement for Final fee testing Additional Conditions may apply. 07/24/2026 Client provided the matching stamped/signed Final ALTA/Settlement Statement. Retested with no violation.

Condition Satisfied.

Numeric

Not Applicable

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require 9 months PITI reserves.

409057411

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Satisfied

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

Missing the VOR

7.22.2026 Client provided copy of current lease and most recent XXX months payment rental of $XXX to landlord.

Condition satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require 9 months PITI reserves.

409057411

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

The hazard insurance coverage amount of $XXX is insufficient for the loan amount of $XXX.

7/15 Client accepts appraisers estimate of cost new $XXX

Satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require 9 months PITI reserves.

409057494

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER2548

Missing AUS or AUS errors present

Missing AUS Findings for DU # XXX per Final 1008

8.7.2026 Client provided DU A/Eligible submission #4

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's

409057500

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI; XXX% max allowed.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

409057524

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX.

409057525

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Satisfied

CRDCRMH124

Collections, Liens, etc. not paid as required by guidelines

Provide sufficient documentation the following is cleared from Title; may be subject to additional conditions upon review.'21. Release or other appropriate disposition of Federal Tax Lien vs. (B1), dated XXXrecorded XXX, in Book 210, Page 522, discloses a lien in the amount of $XXX, plus interest andpenalty.'

8.5.2026 Client provided email from Title stating the tax lien is not against the borrower, the SS#'s do not match.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% qualifying DTI

409057525

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Waived

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

Provide most recent XXX month VOR; may be subject to additional conditions upon review.

7/27 Client provided an approved exception to allow the file without the VOR

XXX final grade is B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% qualifying DTI

409057534

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

409057585

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Documentation

Satisfied

CMPDOC5551

Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests

Missing Closing Disclosures. Pending receipt of all missing LE(s)/CDs and corresponding COCs.

08/06/26 Client provided the missing, revised XXX LE, initial XXX CD and final XXX CD.

Condition Satisfied.

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057585

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Documentation

Satisfied

CMPDOC5553

Missing sufficient documentation to determine High Cost Fees and APR Limits

Missing Closing Disclosures. Pending receipt of all missing LE(s)/CDs and corresponding COCs.

08/06/26 Client provided the missing, revised XXX LE, initial XXX CD and final XXX CD.

Condition Satisfied.

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057585

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Federal Consumer Protection

Satisfied

CMPFDCP2109

ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period

Missing Closing Disclosures. Pending receipt of all missing LE(s)/CDs and corresponding COCs.

08/06/26 Client provided the missing, revised XXX LE, initial XXX CD and final XXX CD.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057585

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5806

TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.

08/06/26 Client provided the missing Initial XXX. The CD is only signed by the primary Borrower. Missing the confirmation of receipt by the Co-Borrower/additional title holder.

08/10/2026 Client provided a duplicate of CC XXX e-signed by Co-Borrower on XXX.

Condition Satisfied.

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057585

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3496

TRID - Closing Disclosure Missing

Missing Closing Disclosures. Pending receipt of all missing LE(s)/CDs and corresponding COCs.

08/06/26 Client provided the missing, revised XXX LE, initial XXX CD and final XXX CD.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057585

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER146

Missing lender's loan approval/underwriting form

Provide 1008

8.7.2026 Client provided Lender 1008

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057585

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Provide missing updated valuation. Value not supported by CU XXX score. May be subject to additional conditions upon review.

8.7.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XX

409057588

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves $XXX or XXX months

409057596

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

409057597

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: B2 have been in the same line of work for XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

409057597

XXXXXX

QM: Safe Harbor (APOR)

Credit

Assets

Satisfied

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

Verify borrower deposited New HELOC funds $XXX into bank account prior to closing.

8.6.2026 Client provided all applicable documentation for HELOC, provided HUD-1, CD and Note support payment of $XXX for HELOC and Borrower received $XXX/ simultaneously closing with subject.

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: B2 have been in the same line of work for XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

409057597

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR5351

Insurance Effective date is greater than the transaction date

Hazard Insurance Policy effective date XXX; disbursement date XXX

(No Data)

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: B2 have been in the same line of work for XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

409057616

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX months PITI, meeting min required reserves of XXX months for subject and XXX months for each of two financed REOs

409057625

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score XXX, qualifying score is XXX.

409057625

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

Zero Tolerance in the amount of $XXX due to added 2nd Appraisal fee on a revised CD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

07/22/26 Client provided a XXX COC. Condition remains. The COC only indicates a Reason of "Other" with the amount of the added fee ($XXX). This is not a valid COC. Provide either a valid change in circumstance, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking information.07/29/2026 Client provided COC XXX reflecting 2nd appraisal and rush fee. Condition remains. Provide the reason the 2nd appraisal was needed and evidence of the Borrowers request for the rush to be done or provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking information.08/07/26 Client provided an XXX PCCD, $XXX check, LOE and tracking (shipment confirmed).

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score XXX, qualifying score is XXX.

409057627

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in the same profession for XXX at current job.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

409057634

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in the same profession for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX + departure REO $XXX * XXX + REO $XXX * XXX = $XXX reserves required.

409057635

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Texas Home Equity

Satisfied

CMPTXHE117

TX Equity - Missing Affidavit of Fair Market Value

07/27/2026 Client provided the missing Affidavit of Fair Market Value executed by all.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX%

409057635

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting $XXX appraisal value.

7.27.2026 Client provided duplicate (in file) LP and appraisal w/value of $XXX dated XXX however missing LCA score of < 2.5 or 3rd party CDA valuation supporting value. Condition remains 7.30.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX%

409057649

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is below guideline maximum of XXX% for -FTHB with Maximum loan amount of $XXX, XXX minimum FICO for Primary residence only.

409057662

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX Verified Reserves > program requirement of $XXX (Subject PITIA $XXX x XXX).

409057676

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Determine status upon review / receipt of XXX VOEs

8/6 validated with W2s

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

CFCFS1739: Postive mortgage payment history

- XXX Comments: 0 x 30 for XXX

409057676

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Waived

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

Note date XXXProvide prior VOE from XXX to complete XXX employment verification. May be subject to additional conditions upon review.

8/6 Client provided an exception to allow the file without prior VOE W2s in file

XXX final grade is B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

CFCFS1739: Postive mortgage payment history

- XXX Comments: 0 x 30 for XXX

409057684

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX PITI > min required reserves of XXX

409057703

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Waived

CMPTRID5806

TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.

Initial CD XXX e-signed via borrower only; file is missing initial CD issued to non-borrowing spouse and acknowledged min XXX prior to closing date.

08/04/26 Client provided an approved exception for the missing Initial CD issued to the non-borrowing spouse.

Initial and Final Grade B.

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX PITI > min required reserves of XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409057705

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX*12= $XXX reserves required.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in the same profession for XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

409057712

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

409057719

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: Co-borrower has XXX years XXX months at current job.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXX years at current job.

CFCFS1736: Significant time at current residence

- XXX Comments: Borrowers have XXX years XXX months at current residence.

409057731

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

409057734

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX

409057744

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS2854: Significant time in profession

- XXX Comments: XXX years in same line of work.

409057745

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, exceeding the exception condition max of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX% is below the exception condition max of XXX%.

409057745

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

Zero Tolerance Fee of $XXX due to Appraisal Desk Review Fee added on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

08/03/26 Client provided a missing, revised XXX LE package with original Lock and program change validating the added Desk Review Fee.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, exceeding the exception condition max of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX% is below the exception condition max of XXX%.

409057745

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Waived

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

Missing an additional XXX mo. 0x30 housing payment history for the borrower's primary housing; credit report only reflects mtg history for departure acquired XXX and no evidence of payments for XXX $XXX prior to that.

7/14 Client provided an approved exception to allow the file wihtout the additional XXX months VOR

XXX final grade is B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, exceeding the exception condition max of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX% is below the exception condition max of XXX%.

409057745

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Property

Waived

PRVAPROP177

Property Issues Indicated

Subject property has 2 additional dwelling units where only 1 ADU is allowed by FNMA.

7.13.26- Client provided an approved exception request to allow the subject SFR having 2 ADUs vs. only 1 allowed by FNMA.

7.13.26- Upon further review, XXX determined the guideline violation is non-material due to meeting exception conditions and the following additional compensating factors: XXX FICO with XXX min, $XXX reserves verified with $XXX required per exception condition and borrower has been in the same field for XXX years.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, exceeding the exception condition max of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX% is below the exception condition max of XXX%.

409057751

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has been self employed for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

409057759

XXXXXX

QM: Safe Harbor (APOR)

Credit

Assets

Satisfied

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

Provide documentation that Life Insurance of $XXX was liquidated as required on DU if using for cash to close

8.6.2026 Client provided Lender LOX stating Life insurance was being used as reserves and provided the asset worksheet. Response, additional non liquid needed towards cash to close is $XXX and non liquid assets are $XXX and is within the XXX% allowance per DU, and would not have to be liquidated (since know Life insurance is for reserves, not cash to close) and other non liquid is 401k etc.

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months 0x30 on current mortgage

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

409057759

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Waived

CRDINC2408

Income verification does not meet guidelines

Provide the XXX for B1 with the following reference #XXX per DU

7.28.2026 Client provided LOX stating, we only pulled one VVOE for B1 order #XXX. Response, Written VOE in file for B1 (XXX) has an reference ID of XXX and per LOX only one was pulled with XXX however file do have another Written VOE pulled. Condition remains for Written VOE w/reference ID XXX used by DU for B1 (XXX)8/7 Client provided an approved exception to allow the file without referenced VOE

Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months 0x30 on current mortgage

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

409057759

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

Coverage $XXX. $XXX required. Provide Reconstruction Cost from Insurance Company

7.28.2026 Client provided HOI email verifying having guaranteed replacement cost

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months 0x30 on current mortgage

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

409057766

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: B1 has XXX years with current employer, B2 has XXX years.

409057770

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Waived

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application XXXProvide the homeowners counseling organizations list dated within 3 days of application date.

07/17/26 Client provided an approved exception for the counseling list timing violation.

Initial and Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is below guideline maximum of XXX%

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject $XXX x XXX.

409058057

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score XXX

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: mortgage history 0x30>XXX

409058060

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in the same profession for XXX years.

409058068

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

409058076

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required

409058076

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

Coverage is $XXX. Required is $XXX. Provide either Reconstruction Cost Estimate from Insurance Company or additional insurance.

7.27.2026 Client provided HOI estimated replacement cost worksheet, HOI reflecting sufficient coverage

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required

409058083

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has stable employment with XXX years at current job.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

409058135

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Compliance Manual

Satisfied

CMPMAN2956

Missing disclosure

File is missing a revised CD in connection with the change of circumstance issued on XXX. If applicable, provide disclosure for further testing. Additional conditions may apply.

07/28/2026 Client provided the Funding CD 7/23. Condition remains for the revised CD that reflects the changes on COC XXX and the signed/stamped Final ALTA Settlement Statement matching the PCCD provided. 07/30/26 Client provided the XXX and XXX COC, XXX CD, XXX PCCD and LOE from Seller stating per the funding team, there are 2 COC forms showing changes made twice prior to docs being sent out, so they only have the XXX CD with the later changes. ALTA not required.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

409058135

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

409058154

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

10% tolerance in the amount of $XXX due to Recording fee increased form $XXX to $XXX on revised LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund.

07/21/26 Client provided a rebuttal from the Seller stating the loan amount increased, the program changed and the lock should be in file as evidence. Condition remains. These are not valid change reasons for increasing the Recording Fee. Borrower is due a refund of $XXX, LOE, PCCD with cure and proof of delivery.07/27/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and In transit tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: Co Borrower at current employment XXX years

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: B1 and B2 mortgage history 0x30xXXX

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

409058154

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC3204

Income Documentation Missing

Missing Income worksheet for XXX for B1 lender used $XXX

7.22.2026 Client provided Lender cash flow analysis with calculation of loss XXX for B1, XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: Co Borrower at current employment XXX years

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: B1 and B2 mortgage history 0x30xXXX

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX years

409058181

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409058190

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Right of Rescission

Waived

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

Per Title Commitment in file, loan originated with the same lender. Incorrect H8 Form Used in Refinance With Original Creditor instead of H9 ROR form.

7/29/26 Client provided an approved exception for using incorrect ROR form.

7/29/26 Initial and final grade 2/B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

409058193

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX*12 + REO $XXX*3= $XXX reserves required.

409058199

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER146

Missing lender's loan approval/underwriting form

1008 in file shows DU being used to underwrite the loan. Only LP in file. Either correct 1008 or provide DU used to close the loan.

8.3.2026 Client provided DU AUS submission #4

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX%

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower XXX year at current employment

409058207

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI; XXX% max allowed.

409058212

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

409058212

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

Hazard insurance coverage amount of $XXX is insufficient for the loan amount of XXX

7.28.2026 Client provided HOI estimated replacement cost worksheet, HOI having sufficient coverage

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

409058217

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.

409058220

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

409058222

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Compliance Manual

Satisfied

CMPMAN2956

Missing disclosure

Per XXX a prior CD was issued XXX. Missing initial CD.

08/10/2026 Client provided the missing Initial CD XXX e-signed on

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Assets: Borrowers have $XXX in reserves. Required reserves are XXX x $XXX = $XXX and XXX for departure residence x $XXX = $XXX. Total required reserves are $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

409058228

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

409058229

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guidelines

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has significant time at current job, XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX% below guideline requirement

409058247

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITI $XXX x6).

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409058248

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

XXX Data verify reflect property: XXX, not listed on REO of 1003. Verify Borrower no longer own this property.

8/10 Client provided a property report showing Borrower is not the owner

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified cash reserves exceed guidelines, XXX

CFCFS2854: Significant time in profession

- XXX Comments: Significant time in profession, XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guidelines

409058248

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER146

Missing lender's loan approval/underwriting form

1008 in file reflect DU as Approve/Ineligible however DU provided is Approve/Eligible vs Ineligible. Provide updated 1008 if applicable.

8/10 Client provided corrected 1008

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified cash reserves exceed guidelines, XXX

CFCFS2854: Significant time in profession

- XXX Comments: Significant time in profession, XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guidelines

409058252

XXXXXX

QM: Safe Harbor (APOR)

Credit

Application

Satisfied

CRDAPP130

Application is incomplete

Corrected URLA or 2 years most recent tax returns and YTD profit and loss for XXX indicates Company name as XXX, and tax returns in file are for XXX

7.13.2026 Client provided updated URLA correcting name: XXX to XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409058252

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Waived

CRDDTI2540

Missing verification of some or all components of non-subject PITI

Provide verification of PITIA for XXX Provide verification of taxes, insurance and HOA (if applicable) for XXX, and XXX

7/9 Client provided evidence no HOA on XXX; still missing verification of PITIA for XXX. and evidence of HOA on XXX7.13.2026 Client provided evidence having no monthly HOA on XXX and provided evidence of HOA and taxes for XXX however missing evidence of difference of $XXX(possibly HOI). Condition remains, taxes and HOA was provided however missing HOI, there is a difference of $XXX not accounted for (XXX) and HOI will support having no mortgage 7/21 Client provided evidence HOI is included in HOA charges and there was an error in calculation Provide a corrected 1003/10087/22 Client provided an exception to allow the file without the updated 1003/1008

Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409058252

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC150

Income docs do not meet guidelines

VA Benefit must be verified with VA letter or distribution form from retirement or long term disability

7.13.2026 Client provided copy of VA award letter supporting $XXX for B1

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409058256

XXXXXX

QM: Safe Harbor (APOR)

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITIA reserves, the guidelines require XXX months PITIA reserves.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years at present job

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

409058258

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX PITIA > min required of $XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

409058260

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409058269

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrowers have XXX of PITIA available in reserves; XXX required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is 88 points above the minimum required score of XXX.

409058280

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

409058280

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

Missing the HOA statement for the property located at XXX

7.29.2026 Client provided evidence of monthly $XXX (used on REO of 1003) which includes HOA and Flood monthly payment which are paid quarterly for annual of $XXX for requested property

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

409058280

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER2548

Missing AUS or AUS errors present

Per the final 1008, the loan was DU Approve Ineligible; however, the DU in file dated XXX shows DU Approve Eligible, missing latest DU.

7.29.2026 Client provided updated 1008 showing DU as Approve/Eligible vs Ineligible

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

409058281

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower XXX has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

409058290

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

409058302

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409058302

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

XXX percent tolerance in the amount of $XXX due to increase of Title- Notary fee, went from $XXX on LE XXX to $XXX on initial CD XXX without a valid reason on COC XXX in file. Condition pending receipt of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information within XXX days of consummation.

07/31/2026 Client provided PCCD XXX with cure, Copy of cure check, LOE and delivered XXX shipping label. Condition remains for delivery.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409058310

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX

409058312

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x 12.

CFCFS2854: Significant time in profession

- XXX Comments: B1 have been in the same line of work for XXX

409058343

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS2854: Significant time in profession

- XXX Comments: B1 have been in the same line of work for XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

409058353

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

409058356

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

Appraisal fee increased from initial LE XXX $XXX to final LE XXX $XXX. COC issued XXX does not list amount of fee increase or sufficient details as to why fee increased. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.

08/06/26 Client provided a XXX Appraisal Message validating the fee increase.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX = $XXX * XXX = $XXX reserves required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

409058356

XXXXXX

QM: Safe Harbor (APOR)

Credit

Title

Satisfied

CRDTIL875

Title Does Not Agree With Mortgage

Missing updated/supplemental title evidence reflecting the loan amount $XXX; prelim title provided shows $to come.

8.6.2026 Client provided updated Title dated XXX with correct proposed amount of insurance $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX = $XXX * XXX = $XXX reserves required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

409058362

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrower has XXX months 0x30 on current mortgage

409058362

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER3122

Loan documents do not meet guideline requirements

Provide documentation of security deposit ($XXX) and first month rent ($XXX) was deposited into Borrowers bank account for XXX

7/30 Client provided bank statement showing deposit of first and last months rent into XXX #XXX

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrower has XXX months 0x30 on current mortgage

409058372

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

409058374

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3640

TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

XXX added CDA fee on initial CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information

08/04/26 Client provided a XXX PCCD, LOE, $XXX check and tracking (delivery confirmed).

Condition Satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXXrequired.

409058380

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

409058380

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR848

Missing Hazard Insurance

File is missing a copy of the hazard insurance dec page. Used lender insurance amount of $XXX monthly for recalculations.

8.3.2026 Client provided subject HOI and RCE policy, sufficient coverage

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

409058388

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or ( $XXX X 3 = $ XXX )

CFCFS2860: Good credit history

- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

409058398

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.

CFCFS1749: Additional documented income not used in qualifying

- XXX Comments: B1 shows additional bonus income of $XXX per XXX (XXX average) that was not used to qualify.

409058399

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified cash reserves: $XXX exceeds guide lines.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

409058403

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years at present job

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: XXX years at present job

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

409058403

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

Missing all components for the borrowers property located at XXX

7.24.2026 Client provided mtg statement for requested property supporting PITI $XXX (escrowed payment) and provided evidence of monthly HOA amount of $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years at present job

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: XXX years at present job

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

409058413

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI; XXX% max allowed.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit report; XXX required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

409058419

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide documentation of Taxes/Ins/HOA totaling $XXX/month for XXX. Verified $XXX/month Taxes; $XXX/month HOA and $XXX/month HOI. This totals $XXX/month. Provide documentation that XXX and XXX are still currently being rented. Have 2024 1040's in file.

7.28.2026 Client provided updated 1003/1008 with using lessor verified amount for Cooper property, condition remains for additional requested documentation verifying Gaston and Cooper property are still currently being rented, using 2024 1040's 8.3.2026 Client provided Lender rebuttal stating file is documented with most recent tax returns 2024 1040 (w/Schedule E) supporting rental income used for qualifying along with 2025 extension and copy of 2025 1040 transcript reflecting no record as of XXX (Note date XXX)

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409058419

XXXXXX

QM: Safe Harbor (APOR)

Credit

DTI

Satisfied

CRDDTI2540

Missing verification of some or all components of non-subject PITI

Provide documentation of Taxes/Ins/HOA totaling $XXX/month for XXX. Verified $XXX/month Taxes; $XXX/month HOA and $XXX/month HOI. This totals $XXX/month.

7.28.2026 Client provided updated 1003 correcting total (taxes, hoi, hoa) for XXX property to reflect $XXXvs $XXX and updated 1008 with DTI of XXX%

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409058419

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC888

Income Amount is Unsupported by Documentation in File

Provide 2025 ExtensionProvide all pages of 2024 2040's. Missing statement pages

7/28 Client provided transcripts show extension filed , Still missing 2024 1040 statements7/29 Client asked for review; on review statements not required by DU

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409058419

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER3122

Loan documents do not meet guideline requirements

Provide documentation that XXX and XXX are still currently being rented. Have 2024 1040's in file.

8.3.2026 Client provided Lender rebuttal stating file is documented with most recent tax returns 2024 1040 (w/Schedule E) supporting rental income used for qualifying along with 2025 extension and copy of 2025 1040 transcript reflecting no record as of XXX (Note date XXX)

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Reserves$XXX or XXX months PITI

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score

409058420

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Waived

CRDINC150

Income docs do not meet guidelines

Missing XXX-day moving average of share price. Subject to RSU recalc and may be subject to additional conditions upon review.

8.5.2026 Client provided Lender snippet of guidelines for RSU income stating one year average, etc. Response, per XXX guidelines (vs 5.0) follow FNMA guidelines for restricted stock income and FNMA require XXX-day moving average of share price. Initial condition remains 8/6 Client provided an approved exception to allow the filw without XXX day moving average of stock price (IPO less than XXX days old)

Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score XXX

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Good mortgage history 0x30xXXX

409058420

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

Missing RCE

8.3.2026 Client provided Lender LOX snippet showing appraisal estimated cost new amount of $XXX and showing the allowable (3) coverages however with using the three coverages shown still do not appear to reflect sufficient coverage without the RCE and use of appraisal estimated cost new is not per guidelines to allow. Condition remains for HOI RCE to support sufficient coverage. 8.5.2026 Client provided HOI RCE, HOI reflect sufficient coverage

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qualifying credit score XXX

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Good mortgage history 0x30xXXX

409058430

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX.

409058441

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in the same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.

409058731

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

409058734

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.

(No Data)

Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

409058738

XXXXXX

QM: Safe Harbor (APOR)

Credit

Credit/Mtg History

Satisfied

CRDCRMH119

Consumer lates exceed guidelines

Provide proof of the following, Per DU:'12 The past-due amount of the following accounts must be satisfied prior to or at closing, and funds sufficient to settle theseitems must be verified and documented. If any of these accounts are actually a collection or charge-off, the lender may followthe DU collection and charge-off policy specified in the Selling Guide. (MSG ID 0258)BORROWER CREDITOR ACCOUNT NUMBER AMOUNTXXX XXX $XXX'

7.24.2026 Client provided updated refresh credit verifying XXX#XXX being paid, no longer having $XXX as past due.

condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% LTV

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058738

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC3204

Income Documentation Missing

1003 and VOE state B1 is a XXX. Provide sufficient documentation of percentage of business he owns. May be subject to additional conditions upon review.

7.24.2026 Client provided LOX stating, Borrower is a XXX at a XXX, not an XXX XXX. There is no ownership to verify." Response, XXX accepting.

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% LTV

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058738

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER3490

Missing Patriot Act form

Provide third party executed Patriot Act form for B2.

7.22.2026 Client provided evidence B2 having B1 as POA for B2

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% LTV

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058738

XXXXXX

QM: Safe Harbor (APOR)

Credit

Title

Satisfied

CRDTIL865

Title incomplete

1. Title Commitment page 192 combined file states Title is vested in: XXX2. Title Commitment page 192 combined file states Title is vested in: XXX,3. Appraisal: Owner of Public Record XXX4. 'PURCHASE AND SALE AGREEMENT This XXX day of XXX1. PARTIES. XXX of XXX hereinafter called XXX and XXX ofXXX, hereinafter called SELLER' 5. 'AMENDMENT TOPURCHASE AND SALE AGREEMENT FOR93 PALISADES CIRCLE, STOUGHTON, MAThe Purchase and Sale Agreement for the premises known andnumbered as XXX dated XXX, is hereby amended as follows:1. XXX is hereby deleted as Seller. XXX shall be inserted asSeller SO that the sole Seller is XXX6. Business Entity Summary: Summary for: XXX , The name and address of the Resident Agent:Name: XXX*** Provide 12 month chain and final Title to validate who the seller was - all legal / loan documents should match. May be subject to additional conditions upon review.

7/20 Client provided chain of Title showing Owner XXX; However Purchase agreement has seller as PARTIES. XXX, of XXX, hereinafter called XXX and XXX, of XXX hereinafter called SELLER' 5. 'AMENDMENT TOPURCHASE AND SALE AGREEMENT FOR XXX The Purchase and Sale Agreement for the remises known andnumbered as XXX, dated XXX, is hereby amended as follows:1. XXX is hereby deleted as Seller. XXX shall be inserted asSeller SO that the sole Seller is XXX' 6. Business Entity Summary: Summary for: XXX , The name and address of the Resident Agent: Name: XXX7/20 The Purchase agreement amendment removes the Titled owner of the Property as the seller and substitutes an Entity described as contractor; Provide a letter from the Title closer confirming who the Seller of the property per contract was and had legal authority to convey the property. The seller must match the titled owner; 2. Provide LOX from Borrower for contract changes with XXX substituted as seller 7/24 Client provided deeds with chain of title for title CO

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% LTV

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058738

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Appraisal

Satisfied

PRVAAPPR4789

Appraisal Deficiency

1004D is in file for completion. Please provide 1004D for value, per below guidelines. May be subject to additional conditions upon review.'' Appraisal Update (Form 1004D) is allowed for appraisals that are over 120 days aged but less than 180 days aged from Note.? The appraiser must inspect the exterior of the property and provide a photo.? The appraiser must review current market data to determine whether the property as declined in value since the date of original appraisal. If the value has declined since original appraisal, a new full appraisal is required'

7.22.2026 Client provided duplicate (in file) 1004D with subject being completed however due to appraisal being dated XXX and Note date XXX (appraisal was over 120 days at closing, but less than 180 days aged from Note), condition remains for 1004D where appraiser must review current market data to determine whether the property has declined in value since the date of original appraisal. If the value has declined since original appraisal, a new full appraisal is required (per guidelines). Condition remains for 1004D from appraiser regarding review of value 8.5.2026 Client provided updated 1004D (dated XXX) completed by original appraiser stating having reviewed the market data for the subject property's market, there have been no downward changes in market conditions since the original appraisals effective date.

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% LTV

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058760

XXXXXX

QM: Safe Harbor (APOR)

Credit

LTV/CLTV

Waived

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

Loan locked as XXX. Max LTV with DTI over XXX% is XXX%. Loan closed at XXX%.

7/31 Client provided an approved exception to allow the file with an LTV of XXX%

Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require 12 months PITI reserves.

409058760

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Waived

CRDTER3122

Loan documents do not meet guideline requirements

Loan is locked as a XXX 30 YR. The following exception is in file which may need more clarification. Exception is for Projected income being over XXX days after Note (Fannie G/L 90 days/ Med Pro XXX days). Also below that it states using 25 and 24 W2 to qualify even though YTD is trending lower which it is. $XXX/month. 24/25 W2 is $XXX/month. When Borrower starts new job XXX income is for $XXX total for XXX months or XXX/month On the exception conditions loan was to close as Med Pro 30 yr fixed with max LTV of XXX%. Minimum LTV for Med Pro is XXX%. Investor exception is requested to qualify borrower on future earnings with start date is more than XXX days after the Note Date.The borrower has accepted new employment with XXXX. as a XXX(XXX) with a scheduled start date of XXX. Borrower is qualified using the average of 2024 and 2025 total W2 income and 1099 (Sch C) income. W2 income consists of both base salary and bonus earnings. Although year-to-date earnings are trending lower, the borrower is well-positioned to meetor exceed the qualifying income level based on projected future earnings.

7/31 Client Provided approved exception to allow the file as documented

Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require 12 months PITI reserves.

409058763

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score is XXX.

409058768

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX Years in Current Profession

409058782

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS2854: Significant time in profession

- XXX Comments: B1 have been in the same line of work for XXX years

409058782

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2408

Income verification does not meet guidelines

WVOE in the file dated XXX expired XXX Note date XXX; WVOE > XXX days. Provide updated WVOE or most recent 2 years W2s, meeting requirements. May be subject to additional conditions upon review.

8.3.2026 Client provided 2025/2024 w2's for B1

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS2854: Significant time in profession

- XXX Comments: B1 have been in the same line of work for XXX years

409058794

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guideline XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV XXX% below guideline max XXX%

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.

409058799

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the CD

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: Co-borrower has been XXX with current business since XXX

CFCFS1736: Significant time at current residence

- XXX Comments: Non-occupying co-borrower has owned his primary residence for XXX years.

409058824

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

409058824

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Waived

CRDTER4631

Loan parameters do not meet guidelines

Missing payment history for private mortgage XXX. B2's father provided funds for purchase, but with no intention of payments being made. LOE in file indicates loan has been fully forgiven. XXX exception approval is in file.

8/6 Client provided an exception to allow the private Mtg history

Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

409058825

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guidelines XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.

409058838

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

409058846

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX /XXX months PITIA > min required of $XXX.

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

409058970

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

Determine status upon review / receipt of VOE

8.7.2026 Client provided CPA Letter dated 8.6.2026 verifying active status of Schedule C XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058970

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2488

Verbal verification of employment missing

Provide third party VOE for Schedule C meeting guidelines and confirming XXX years in business; may be subject to additional conditions upon review

7.29.2026 Client provided SOS XXX (appears to be prior XXX as listed on 1003) however initial condition is for 3rd party VVOE for 1st XXX Schedule C (Schedule C is borrower name as XXX), condition remains 8.7.2026 Client provided CPA Letter dated 8.6.2026 verifying active status of Schedule C XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

409058975

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX PITIA > min required of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.

409059018

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years at present job

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

409059034

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1736: Significant time at current residence

- XXX Comments: Borrower has XXX at current residence.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guideline XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.

409059034

XXXXXX

QM: Safe Harbor (APOR)

Credit

Ability to Repay/Qualified Mortgage

Satisfied

CRDATRQM3124

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.

Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.

8.6.2026 Client provided Lender XXX w/XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence

- XXX Comments: Borrower has XXX at current residence.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guideline XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.

409059042

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: XXX years with same employer.

409059047

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX.

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

409059069

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS2860: Good credit history

- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

409059074

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

409059074

XXXXXX

QM: Safe Harbor (APOR)

Credit

Assets

Satisfied

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

Missing additional reserve of $XXX to meet reserve requirement of $XXX. Borrower provided total assets of $XXX cash to close $XXX= Available assets for reserves $XXX.

7.24.2026 Client provided Lender rebuttal regarding assets and provided list of assets used, in which differ from the Final 1003 assets, and with review of lender rebuttal assets difference in assets appears to be Cap One, lender showing $XXX and we are using $XXX however it appears on this XXX #XXX print out dated XXX there is a wire withdrawal deposit of $XXX that is not being considered, if this was wire to subject Title for closing, provide the evidence of wire transfer from Title company to add back credit of this wire of $XXX ; currently condition remains 7.28.2026 Client provided duplicate XXX and XXX that supports deposit from XXX to XXX and provided evidence the wire of $XXX is in receipt with Title company for subject cash to close. Updated reserves are XXX months

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

409059074

XXXXXX

QM: Safe Harbor (APOR)

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated third-party property valuation product due to CU score 3.5. Appraised value of $XXX to be supported.

7.24.2026 Client provided some assets LOX rebuttal from Lender however nothing pertaining to this condition. Condition remains7.30.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

409059087

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER3490

Missing Patriot Act form

File is missing the completed and signed Patriot Act form completed by the closing agent for B1.

8.4.2026 Client provided executed Patriot act for both borrowers

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has been with current employer since XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.

409059088

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

Attorney's fee $XXX was added to final LE XXX section B. COC issued XXX does not list fee amount or sufficient details as to why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.

08/04/2026 Client provided PCCD XXX with cure, copy of cure check, LOE to borrower and delivered shipping label.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified cash reserves; $XXX exceeds guide lines.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

409059115

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Qual score XXX; min score XXX.

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX> min required of $XXX.

409059129

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

Seller CD is missing, no fees paid by seller are present on final CD. Seller's CD is needed in order to complete fee entry

08/06/26 Client provided the Seller CD.

Condition Satisfied.

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI; XXX% max allowed.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

409059137

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX

CFCFS2860: Good credit history

- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

409059147

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower XXX as a XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX%

409059157

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXX at current job.

409059176

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

409059193

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX Years in Current Profession

CFCFS1736: Significant time at current residence

- XXX Comments: Borrower has XXX Years at Current Residence

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)

409059224

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409059265

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has stable employment with XXX years at current job.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

409059314

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qual score; min XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI; max XXX%.

CFCFS5269: Minimal use of credit

- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.

409059336

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409059339

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX-months housing payment history 0x30.

409059356

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITI $XXX x XXX).

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409059384

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

409059391

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Waived

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

08/03/26 Client provided an approved exception for the missing Affiliate Business Disclosure.

Initial and Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

409059403

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC2408

Income verification does not meet guidelines

Missing B2's 2025 W2 as required by DU/FNMA for most recent year; 2024 W2 is insufficient as the 2025 W2 would have been received by application date XXX

8.3.2026 Client provided B2 2025 w2

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI of XXX% is below guideline maximum of XXX%.

CFCFS1739: Postive mortgage payment history

- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409059412

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Waived

CRDINC2340

Employment verification does not meet guidelines

B1 employment start date of XXX and note date of XXX exceeds the XXX limit allowed by XXX guidelines by XXX. An approved exception request was provided in the file.

8/5 Client provided an approved exception to allow the file with start date ouitside XXX

Uponreview by XXX XXX; Condition is deemed Non Material; Client credit scoreexceeds GLs

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is 134 points above the minimum required score of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrower has XXX of PITI available in reserves; XXX required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

409059424

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has XXX in Current Profession

409059429

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX housing payment history 0x30.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX > reserve requirement $XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX with same employer.

409059429

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER2548

Missing AUS or AUS errors present

Missing AUS finding used to decision loan.

8.10.2026 Client provided DU AUS submission #XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX housing payment history 0x30.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX > reserve requirement $XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX with same employer.

409059435

XXXXXX

QM: Safe Harbor (APOR)

Credit

Re-Verifications

Satisfied

CRDRVRFC1803

Debts/Obligations that were not discl at origination revealed through independent re-verification

Per XXX report, file is missing documentation to support no negative impact to the borrower's financial status due to pending litigation; XXX Superior Court Civil judgement filings from creditor XXX dated XXX(Case #XXX and #XXX).

7.29.2026 Client provided executed Title Affidavit and data verify reflect $XXX for the Civil New Filing

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

409059475

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: B2 have been in the same line of work for XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

409059646

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or ( $ XXX X 3 = $ XXX )

CFCFS2854: Significant time in profession

- XXX Comments: Borrower 2 has XXX in Current Profession

CFCFS1736: Significant time at current residence

- XXX Comments: Borrower has XXX at Current Residence

409059654

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score XXX exceeds guideline XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX% below guideline XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.

409059657

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: B1 has XXX years with current employer, B2 has been self employed for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

409059664

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR5351

Insurance Effective date is greater than the transaction date

Hazard Insurance Policy effective date XXX; disbursement date XXX.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is below guideline maximum of XXX%

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

409059682

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller CD t in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

409059702

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2860: Good credit history

- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)

409059706

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has XXX with current employer.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score is XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

409059732

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS2854: Significant time in profession

- XXX Comments: B2 have been in the same line of work for XXX years

409059790

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX%; guidelines allow XXX%.

409059798

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has significant time at current job, XXX years.

409059799

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX> is above guideline minimum credit score XXX.

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has significant time at current job, XXX years.

409059801

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2854: Significant time in profession

- XXX Comments: Significant time in profession, XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.

409059802

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX

CFCFS2854: Significant time in profession

- XXX Comments: Significant time in profession, XXX years.

409059803

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Satisfied

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

Missing Affiliate Business Disclosure.

06/05/2026 Client provided signed letter certifying Lender has no Affiliate Relationships.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX> is above guideline minimum credit score XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV: XXX% is XXXpoints below the program guideline maximum XXX%.

409059803

XXXXXX

QM: Safe Harbor (APOR)

Credit

Income/Employment

Satisfied

CRDINC3204

Income Documentation Missing

Income documentation Fannie Mae 1084 or equivalent is required for XXX analysis.

6.8.2026 Client provided Lender Cash Flow analysis with income calculation for XXX income

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX> is above guideline minimum credit score XXX.

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV: XXX% is XXXpoints below the program guideline maximum XXX%.

409059804

XXXXXX

QM: Safe Harbor (APOR)

Credit

Legal Documents

Satisfied

CRDLGL225

Missing Rider

Missing PUD Rider. Subject property is a detached PUD per the appraisal.

6/19 Client provided corrected DOT with Rider

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX FICO exceeds guideline of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX DTI below guideline of XXX.

409059805

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower has significant time at current job, XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.

409059806

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Satisfied

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

Missing Affiliate Business Disclosure

06/26/2026 Client provided a collaborate comment: XXX Bank does not have any business affiliates. Condition remains. Provide a Signed attestation of Lender having no Affiliated Businesses for the file. 06/30/2026 Client provided an unsigned letter of no affiliates. Condition remains. Provide a signed letter stating they have no Affiliates for the file.06/30/2026 Client provided a signed copy of the letter stating they are not Affiliated with any Businesses.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV at XXX% below guideline requirements of XXX%

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI at XXX% below guideline requirement of XXX%

409059806

XXXXXX

QM: Safe Harbor (APOR)

Credit

Insurance

Satisfied

CRDINSR5351

Insurance Effective date is greater than the transaction date

Effective date and disbursement date are XXX

Client provided updated declaration page reflecting effective date of XXX

Condition satisfied

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV at XXX% below guideline requirements of XXX%

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI at XXX% below guideline requirement of XXX%

409059807

XXXXXX

QM: Safe Harbor (APOR)

Credit

Ability to Repay/Qualified Mortgage

Satisfied

CRDATRQM3124

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.

Missing lender's ATR/QM status determination.

6/19 Client provided XXX

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX years at current job.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX DTI below guideline of XXX.

409059808

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: 0x30xXXX exceeds mortgage history guidelines.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.

409059809

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV: XXX% is XXX points below the program guideline maximum XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.

409059816

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

409059816

XXXXXX

QM: Safe Harbor (APOR)

Credit

Terms/Guidelines

Satisfied

CRDTER2548

Missing AUS or AUS errors present

Provide DU # XXX findings, as reflected on final 1008. May be subject to additional conditions upon review.

8.10.2026 Client provided DU AUS #2

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score

409059818

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% qualifying DTI is below guidelines max

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or ( $ XXX X 3 = $ XXX )

409059823

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in same profession for XXX years.

409059828

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS2854: Significant time in profession

- XXX Comments: Borrower has been in the same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score exceeds guide lines.

409059837

XXXXXX

QM: Safe Harbor (APOR)

CFCFS2854: Significant time in profession

- XXX Comments: Borrower have been in the same line of work for XXX years

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

409059844

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the CD

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV XXX%

CFCFS1734: Borrower has significant time at current job

- XXX Comments: Borrower at current employment XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI XXX%

CFCFS1735: Co-Borrower has significant time at current job

- XXX Comments: Co borrower at current employment XXX

409059860

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

409059860

XXXXXX

QM: Safe Harbor (APOR)

Credit

Title

Satisfied

CRDTIL875

Title Does Not Agree With Mortgage

Title report in file does not reflect the correct name for Borrower 1; Title shows proposed insured as XXX.

8.5.2026 Client provided updated Title dated XXX with vesting names matching Mortgage Deed of Trust

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI < program maximum of XXX%.

409059869

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1744: DTI below guideline requirement

- XXX Comments: DTI of XXX is below guideline max DTI of XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.

409059872

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.

CFCFS1736: Significant time at current residence

- XXX Comments: Borrower has owned the subject property for XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Borrower has XXX of PITI available in reserves; XXX required.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Credit score of XXX is 30 points above the minimum required score of XXX.

409059897

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Texas Home Equity

Waived

CMPTXHE308

Voluntary Same-Lender Debt disclosure not provided to borrower

TX Voluntary Same-Lender Debt disclosure missing in file

07/24/2026 Client provided an approved exception request for Voluntary Same-Lender Debt disclosure not provided to borrower.

Initial and Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX credit score exceed guideline minimum of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI is below guideline maximum of XXX%

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX.

409059898

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS2854: Significant time in profession

- XXX Comments: XXX years in same line of work.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

409060221

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD, Condition Satisfied.

(No Data)

Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)

CFCFS2860: Good credit history

- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: High Credit XXX Guidelines allow XXX

409060230

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post close assets are $XXX or XXX PITI reserves, the guidelines require XXX PITI reserves.

409060527

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees reflected on Seller CD but not included on Borrower Final CD.

(No Data)

Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX verified reserves > program requirement of $XXX (Subject PITI $XXX x XXX + OREO PITIA $XXX x XXX).

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409060557

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements

- XXX Comments: LTV is XXX; guidelines allow XXX%.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

409060600

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409060618

XXXXXX

QM: Safe Harbor (APOR)

Compliance

Right of Rescission

Waived

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form

7/29/26 Client provided approved exception for the incorrect ROR form used.

7/29/26 Initial & Final Grade B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Verified assets of $XXX - cash to close $XXX = reserves of $XXX or XXX PITIA; $XXX or XXX required.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

409060623

XXXXXX

QM: Safe Harbor (APOR)

Compliance

RESPA

Waived

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

Application date XXX, earliest HOCL in file is dated XXX.

8/3/26 Client provided an approved exception for HOCL not provided timely to borrower.

8/3/26 Initial and final grade 2/B

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX at job

CFCFS1736: Significant time at current residence

- XXX Comments: XXX at current home

409060623

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX at job

CFCFS1736: Significant time at current residence

- XXX Comments: XXX at current home

409060623

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3552

TRID - Loan Estimate not timely

Application date is XXX (per XXX and XXX tracking), earliest LE in file is dated XXX. Condition is pending receiving initial LE provided to borrower within XXX of application date.

08/06/26 Client provided the missing XXX Initial LE.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job

- XXX Comments: XXX at job

CFCFS1736: Significant time at current residence

- XXX Comments: XXX at current home

409060983

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX*12 + REO $XXX*3= $XXX reserves required.

409061024

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the CD

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITIA $XXX x6).

409061061

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX qualifying score; XXX required.

CFCFS1744: DTI below guideline requirement

- XXX Comments: XXX% DTI; XXX% max allowed.

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV; XXX% max allowed.

409061146

XXXXXX

QM: Safe Harbor (APOR)

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.

(No Data)

Exception is information and is satisfied to 1/A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.

CFCFS1740: Mortgage payment history exceeds guidelines

- XXX Comments: Borrowers have XXX housing payment history 0x30.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX.

CFCFS1744: DTI below guideline requirement

- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.

409061194

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: Verified XXX FICO score. Minimum required XXX.

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.

409061317

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1737: LTV below guideline requirements

- XXX Comments: XXX% LTV < program maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX fico > program minimum of XXX.

409063916

XXXXXX

QM: Safe Harbor (APOR)

CFCFS1741: Credit score exceeds guidelines

- XXX Comments: XXX mid score > min required of XXX

CFCFS1731: Verified cash reserves exceed guidelines

- XXX Comments: Post closing assets Cash Reserves$XXX / XXX months PITI, meeting minimum required reserves and XXX months for subject and XXX months for one financed REO

Client Name:
Client Project Name:	SEMT 2026-11
Start - End Dates:	4/16/2026 - 8/21/2026
Deal Loan Count:	199

Conditions Report 2.0

Loans in Report:	199
Loans with Conditions:	127

0 - Total Active Conditions



182 - Total Satisfied Conditions

		62 - Credit Review Scope
			2 - Category: Ability to Repay/Qualified Mortgage
			5 - Category: Application
			3 - Category: Assets
			5 - Category: Credit/Mtg History
			7 - Category: DTI
			12 - Category: Income/Employment
			9 - Category: Insurance
			1 - Category: Legal Documents
			1 - Category: Re-Verifications
			12 - Category: Terms/Guidelines
			5 - Category: Title
		5 - Property Valuations Review Scope
			5 - Category: Appraisal
		115 - Compliance Review Scope
			8 - Category: Ability to Repay/Qualified Mortgage
			1 - Category: Borrower's Interest
			4 - Category: Compliance Manual
			3 - Category: Documentation
			1 - Category: Federal Consumer Protection
			4 - Category: RESPA
			1 - Category: Texas Home Equity
			93 - Category: TILA/RESPA Integrated Disclosure
23 - Total Waived Conditions

		14 - Credit Review Scope
			4 - Category: Credit/Mtg History
			1 - Category: DTI
			4 - Category: Income/Employment
			2 - Category: Insurance
			1 - Category: LTV/CLTV
			2 - Category: Terms/Guidelines
		2 - Property Valuations Review Scope
			2 - Category: Property
		7 - Compliance Review Scope
			3 - Category: RESPA
			2 - Category: Right of Rescission
			1 - Category: Texas Home Equity
			1 - Category: TILA/RESPA Integrated Disclosure

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Name:
Client Project Name:	SEMT 2026-11
Start - End Dates:	4/16/2026 - 8/21/2026
Deal Loan Count:	199

Conditions Report 2.0

Loans in Report:	199
Loans with Conditions:	127

Client Name:
Client Project Name:	SEMT 2026-11
Start - End Dates:	4/16/2026 - 8/21/2026
Deal Loan Count:	199

Conditions Report 2.0

Loans in Report:	199
Loans with Conditions:	127