EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.07 - Schedule 2

 

 

Exception Detail
Run Date - 09/02/2026 2:28:36 PM
Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1688840 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568752 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXXX for the XXXXX loan program require the subject property to be a minimum of XXXX square feet. XXXX subject property is XXXX sqft.   Exception approval received for XXXXXXX XXXXXXXX XXXXX sf. XXXXXXXXXXXXX XXXXXXXX - XXX months reserves- minimum XX months, score XXXX miin XXXXX       02/25/2026 B 2 XXXXXXXXXX KY 3 13 C   B   A   A   N/A N/A C   B     Exempt 1
1688865 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568809 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   XXXXXXXXXX previously rented XXXXXXXXXXX Received rental payment history     02/23/2026     A 1 XXXXXXXXXX RI 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1688865 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568810 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a XXXXXXX XXXX must be within XXX days prior to the note date.  XXXX XXXXXXXXXX Documentation provided     02/23/2026     A 1 XXXXXXXXXX RI 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1688865 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568811 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a XXXXXXX XXXX must be within XXX days prior to the note date. XXXX XXXXXXXXXXXXXX Documentation provided     02/23/2026     A 1 XXXXXXXXXX RI 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1688891 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568844 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX required second appraisal as the loan amount exceeds XXXXXXX million.  XXXX XXXXX XXXXXXXXXXXXX XXXXXXXXX states that a second appraisal from XXXXXXX XXXXXXXXXXXXXXX XXXXXXXXXXX dated XXXXXXXXXX with a market value of XXXX million was ordered and received, however the report is not in the file Received XXXX appraisal     02/23/2026     A 1 XXXXXXXXXX CA 1 1 C   B   C   B   A   A   C   A     Safe Harbor QM (APOR) 1
1688891 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568845 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXX final closing disclosure for a XXXXXXXXXXXX XXXXXXX XXXXX secured by the property located at XXX XXXXXXXXXX XXXX showing net loan proceeds of XXXXXXXXXXXXXX and the payoff of XXXXX XXXXXXX XXXXXXX having an approximate balance of XXXXXXXXXXXXXXX Received XXXX proceeds from bridge loan = XXXXXXXXXX and pay off XXXXX XXXXXXXXX XXXXXXX sufficient     02/23/2026     A 1 XXXXXXXXXX CA 1 1 C   B   C   B   A   A   C   A     Safe Harbor QM (APOR) 1
1688891 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568846 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX shock exceeds the maximum guideline requirement of XXXXXXX XXXXXXX is XXXXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX post-closing reserves of XXXXXXX months exceeding the program requirement of XXX months, XXXX residual income of XXXXXXXXX exceeds the minimum guideline requirement of XXXXXXXX XXXX XXXX downpayment.       02/24/2026 B 2 XXXXXXXXXX CA 1 1 C   B   C   B   A   A   C   A     Safe Harbor QM (APOR) 1
1688912 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568874 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXX total loan amount is XXXXXXXXXXXXXX which per the XXXXX unit XXXXX program required reserves of XXX months XXXXXXX XXXX loan approval used the base loan amount of XXXXXXXXXXXXXXX and the required reserves of XX months.   Client waived with compensating factors: XXXX XXXXX is XXXX with a minimum XXXXX of XXXXXX XXXX mortgage history is XXXXXXXX with the required mortgage history of XXXXXXXXXX XXXX borrower is an experienced investor with XXX years managing multifamily properties.        03/02/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1688930 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568902 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   XXXXXXXXX appraisal is marked XXXXXXXXX XXXX XXXXXXXX acceptable XXXXXXX Received final inspection     02/27/2026     A 1 XXXXXXXXXX CA 1 13 C   B   C   B   A   A   C   A     Non-QM 1
1688930 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568903 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX ranches may be considered with senior management approval. XXXXXXXX property has stables that borrowers rent as their business. XXXXXXXXXX approval in file to allow working ranch as acceptable property.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX reserves when XXXX required, XXXXXXXXXX current mortgage payment history, XXXXXXXX residual income when only XXXXXXX is required and XXXX fico score where the minimum required is XXX       02/27/2026 B 2 XXXXXXXXXX CA 1 13 C   B   C   B   A   A   C   A     Non-QM 1
1688933 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568905 862 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   XXXX XXXXXXXX XX is missing from file. XXXXXXX provide, along with XXXX to re-record. Information provided     02/22/2026     A 1 XXXXXXXXXX ID 2 3 C   B   C   B   C   A   A   A     Safe Harbor QM (APOR) 1
1688933 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568907 322 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Minimum FICO   XXXXXXXX credit score for a cash out refinance of a second home on the XXXXXXXXX approval program is XXXXXX XXXXXXXXX mid-score is XXXXXX XXXXXXXXXX approval in fill to allow XXXX score when program minimum is XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when XXXX is required, XXXXXXXX residual income when only XXXXXXX is required and XXXX of XXXXXXXX when up to XXXX is allowed.       02/20/2026 B 2 XXXXXXXXXX ID 2 3 C   B   C   B   C   A   A   A     Safe Harbor QM (APOR) 1
1688945 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568599 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX XXXX appraisal required for the loan amount and updated loan approval with the final loan amount are missing from the loan file. XXXX credit review is on hold until documents are received. Docs received     02/24/2026     A 1 XXXXXXXXXX CA 1 1 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1688945 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568600 338 XXXXXXXXXX Credit UW Other   UW Other - UW - Contract approval incomplete/not current   XXXXXXXX XXXXXXXXX required with correct final XXXX and XXX of XXXXXXXXXX vs XXXXXXXXXX as stated on current approval Received revised approval with correct loan amount     02/25/2026     A 1 XXXXXXXXXX CA 1 1 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1688952 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568603 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   XXXX of the title policy shows a XXXXXXX lien for XXXXXXXXXXXX XXX there wasn't a payoff os it at closing, proof is needed that it was paid in full prior to closing. Note on loan details explains that the borrower refinanced a couple of his properties to pay off a blanket loan. XXXX XXX showing the payoff of the XXXXXXX mortgage has been provided.     02/18/2026     A 1 XXXXXXXXXX NC 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1688969 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568621 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX for the XXXXX loan program require a factor of XXXXXXX be included when utilizing XXXXXX XXXXX XXXXXXX income. XXXXXXX XXXXXXXXXXX approved the use of XXXXXXXX factor for the XXXXXX XXXXX XXXXX XXXXX calculation.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXX of XXXX and XXXXX XXXXXXX depth of XXX years; XXXXXXXXX have owned primary residence for XXXXX years; XXXXXXXXX been with same employer XXXX years.       02/26/2026 B 2 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1688980 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568626 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX borrower does not own a primary residence or have a mortgage rating on a primary. XXXX borrower lives with a family member.   Client waived with compensating factors: XXXX XXXXX is XXXX with a required minimum XXXXX of XXXXXX XXXX XXXX is XXXX with a maximum XXXX of XXXXXX XXXX reserves are XXXXXXXXXXXXX or XXX months. XXXX required reserves are XX months.       02/23/2026 B 2 XXXXXXXXXX OR 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1688995 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568643 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX required for XX month XXXX statement verification of assets for reserves < XX months XXXX statements required for asset verification per guideline requirements.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, and XXXX fico score where the minimum required is XXXXX       02/27/2026 B 2 XXXXXXXXXX NV 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1688996 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568644 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXXXXX for the XXXXX loan program require XX months of XXXX statements for reserves. XXXX borrower provided just XX month of statements.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXX XXXXXX credit XXXXXXXX on multiple mortgages reported on credit report; XXXXXXXXX investor.       02/27/2026 B 2 XXXXXXXXXX NV 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1688997 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568645 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXXXXXXX XX month XXXXXXXX XXXXXXXXX required XXXXXXXXXXXXXXX XXXXXXXXX verified XXXXXXXXXXXXXXX   Client waived with compensating factors: XXXXXXXX XXXX where a max XXXX XXXX required. XXXX XXXXX where a minimum XXXX XXXXX required. XXXXXXXXXXXX investor, property currently rented above market rent.        02/27/2026 B 2 XXXXXXXXXX NV 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1689013 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568662 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXX of the XXXX statements identify the company nor borrower. XXXXX to be able to tie them to the borrower and/or company. Received documentation of borrower's ownership of accounts.     03/03/2026     A 1 XXXXXXXXXX AZ 2 1 C   A   C   A   A   A   A   A     Non-QM 1
1689017 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568666 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXX gift funds to be used on an investment purchase.   Client waived with compensating factors: XXXXX of XXXX where XXXX is required, XXX months of reserves where XXX months is required, borrower is a seasoned investor.       03/03/2026 B 2 XXXXXXXXXX NV 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1689139 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8591994 423 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   XXXXXXXXXX XX states XXXXXXXXXX XXXXXXXXXX XX states XXXXXXX provide updated documentation clarifying if the subject is suburban or rural.  if the property is deemed rural, it is ineligible for XXXXXXX XXX property is confirmed to be  XXXXXX it is ineligible for XXXXXX Received XXX mgmt approval for suburban property and not rural.     03/05/2026     A 1 XXXXXXXXXX HI 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1689139 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8591995 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXXXX XXXXX XXXXXX max XXX is XXXXXXXXXXXXXXXXXX XXXXXXXXXX request XXX over XXXXXXXXXXXXXXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXXXXXX stacked when max XXXX is XXXXX XXXXXXX months reserves when XXXXXXXXX reserves is required.       03/03/2026 B 2 XXXXXXXXXX HI 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1689139 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8591996 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXXXXX occupancy rate must be XXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXX occupancy rate of XXXXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXXXXXX stacked when max XXXX is XXXXX XXXXXXX months reserves when XXXXXXXXX reserves is required.       03/03/2026 B 2 XXXXXXXXXX HI 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1689139 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8591997 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX funds not permitted on XXXXXXXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX in file to allow gift funds.   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXXXXXX stacked when max XXXX is XXXXX XXXXXXX months reserves when XXXXXXXXX reserves is required.       03/04/2026 B 2 XXXXXXXXXX HI 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1690274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9032854 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX funds not permitted on investment properties. XXXXXXXXX in file to allow gift funds on investment property.   Client waived with compensating factors: XXXXXXXXXXXX investors, XXXXXXX XXXX when max allowed XXXX is XXXXX XXXX XXXXX when minimum XXXXX required is XXXXX XXXXXXX months reserve when minimum required reserves is XX months.       03/02/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1690274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9032855 879 XXXXXXXXXX Credit Application   Application - Other:   XXXXX updated final application reflecting individual credit (current XXXXX in file reflects joint credit) Information provided     03/25/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1691032 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308920 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX required for XXXXXXXXXXXXX reserves < XXXXXXXX minimum reserves required under the XXXXX program guidelines.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXX of XXXXXXX where the minimum required is XXXXXX and XXXX fico score where the minimum required is XXXXX       03/05/2026 B 2 XXXXXXXXXX FL 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1691033 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308921 424 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Report invalid or expired   XXXXXXXXXX expired XXXXXXXXXXXX XXXXXXXX date XXXXXXXXXXXXX  XXXXX is missing a re-cert of value.   Received exception approval for date of appraisal - XXXXXXXXXXXXX XXXXXXXX - XXXX XXXX - max XXXXX residual income XXXXXXXXXX reserves XXX months - minimum= XXX months, XXX years XX       03/14/2026 B 2 XXXXXXXXXX CA 2 1 D   B   D   B   A   A   A   A     Non-QM 1
1691034 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308922 480 XXXXXXXXXX Credit Application   Application - Compliance \ Application - Validate Loan Originator ID and Loan Originator Co ID on http://www.nmlsconsumeraccess.org/ to verify ID is active and matches LO and CO on application.  If not found on website, suspend for correct ID #.   XXXXX evidence the XXX XXXXXXX XXXXX was authorized to represent XXXXX XXXXXX XXXXXXXXX at application and closing.  XXXXX shows XXX is with XXXXXXXXXXXX XXXXXX since XXXXXX Information provided     03/13/2026     A 1 XXXXXXXXXX CO 1 13 C   B   C   B   A   A   C   B     Safe Harbor QM (APOR) 1
1691034 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308923 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX property was newly constructed, borrower owned the property for a XXXX time, but fires in the area damaged the property so it was constructed back up which requires XXXXX XXXXXXXXXXX approval.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXXX XXXX fico score where the minimum required is XXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX  months required,       03/12/2026 B 2 XXXXXXXXXX CO 1 13 C   B   C   B   A   A   C   B     Safe Harbor QM (APOR) 1
1691034 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308924 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX shock over XXX requires XXXXX XXXXXXXXXXX approval. XXXXXXXX payment shock is XXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXXX XXXX fico score where the minimum required is XXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX  months required,       03/12/2026 B 2 XXXXXXXXXX CO 1 13 C   B   C   B   A   A   C   B     Safe Harbor QM (APOR) 1
1691034 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308925 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX XXXXXXXXXXX approval to use XXX month calculation for bonus income.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXXX XXXX fico score where the minimum required is XXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX  months required,       03/12/2026 B 2 XXXXXXXXXX CO 1 13 C   B   C   B   A   A   C   B     Safe Harbor QM (APOR) 1
1691035 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308745 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX value is to be based on the original purchase XXXXX under the XXXXXX XXXXXX XXXX XX program for delayed financing. XXXX subject property XXXX on this loan was based on the appraised value. XXXXXXX send corrected final approval with the XXXX based on the original purchase XXXXX of XXXXXXXXXXXXXX or an approved exception to the guideline.   Exception approval received for XXXX on delayed financing. compensating factors: XXXXX is XXXX and the minimum XXXXX score is XXXXXX XXXX residual income is XXXXXXXXXXXXX and the required residual income is XXXXXXXXXX XXXX reserves are $ XXXXXXXXXXXX or XXXX months and the required reserves are XXX       02/14/2026 B 2 XXXXXXXXXX NV 1 13 C   B   C   B   A   A   A   A     Non-QM 1
1691035 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308746 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX loan is a delayed financing loan which requires the borrower to have purchased the subject property as all cash. XXXX borrowers acquired the property with a XXXXX gift from relatives.   Client waived with compensating factors: XXXXX is XXXX and the minimum XXXXX score is XXXXXX XXXX residual income is XXXXXXXXXXXXX and the required residual income is XXXXXXXXXX XXXX reserves are $ XXXXXXXXXXXX or XXXX months and the required reserves are XXX       02/12/2026 B 2 XXXXXXXXXX NV 1 13 C   B   C   B   A   A   A   A     Non-QM 1
1691036 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308927 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. Documents received.      03/04/2026     A 1 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   A   A     Safe Harbor QM (APOR) 1
1691036 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308928 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX XXXXXX qualifier and full doc income.   Client waived with compensating factors XXXXXXXXXX income of XXXXXXXXXX where XXXXX is required, reserves of XXX months where XX is required, XXXXXXXX XXXXX where XXXX is required.       03/04/2026 B 2 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   A   A     Safe Harbor QM (APOR) 1
1691038 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308930 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX XXXXXXXXXXX approval required to use XXXXXXXXXXXXXX current higher rate of pay on paystub along with XXXX from employer verifying increase in pay rate.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXX       03/03/2026 B 2 XXXXXXXXXX CA 1 13 C   B   C   B   A   A   A   A     Non-QM 1
1691044 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308932 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX XXXXXXXXXXX approved transaction at a max of XXXX XXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXX       03/09/2026 B 2 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1691046 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308934 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. Documents received     03/05/2026     A 1 XXXXXXXXXX WA 1 1 A   A   A   A   A   A   A   A     Non-QM 1
1691051 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308935 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   XXXXXXXXXXX state XXXXX requires XXX mo cancelled rent checks or management company XXXXX nothing verified in file. Received XXX month rental history     03/14/2026     A 1 XXXXXXXXXX NC 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842977 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     07/22/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842978 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XXXXX is failing XXX tolerance for the increase in the XXXXXXXXXX fee on the XXXXX XXX without a valid explanation.  XXXXXXXXXX amount is XXXXXXXX  XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXX         07/22/2026   B 2 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842979 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   XXXXX the XXXXX XXXXX XXXXXXXXX       07/17/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842980 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX provide updated hazard that reflects the hazard policy number.       07/21/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842981 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX the signed XXXXXXXX XXXXXXXXXXX from the XXXXXXX XXXX       07/16/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842982 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the final XXXXXXXX XXXXXXXXXXX from the XXXXXXX loan on the XXXXXXXXXX second home. TPS XXXXXX XXXXXXXXXX     07/16/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842984 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX expiration date is blank       07/22/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842986 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information provided     08/06/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1701580 XXXXXXXXXXX XXXXXXXXXXX 13571069 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX secondary valuation as XXX XXXXXX of XXXXX is greater than XXXXXXX CDA provided      04/30/2026     A 1 XXXXXXXXXX CA 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1701581 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571070 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   XXXXX XXXXXXX not found in the file. Received XXX     07/24/2026     A 1 XXXXXXXXXX OH 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701581 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571071 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX listed for sale at the time of application are not eligible for refinance. XXXXXXXXX in file to allow the property listed for sale at the time of application.   Client waived with compensating factors: XXXX XXXXX when the minimum requirement is XXXXX experienced investor, XXX months reserve when the minimum requirement is XX months. XXXXX XXXXXX when the minimum requirement is X       07/25/2026 B 2 XXXXXXXXXX OH 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701582 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571075 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXX file is missing the XXXXX insurance policy. XXX addition, the policy must indicate at least XX months of rent loss coverage for the subject investment property. HO-X policy provided with rent loss coverage.      07/30/2026     A 1 XXXXXXXXXX NJ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701582 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571076 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX file is missing the appraisal report.       07/30/2026     A 1 XXXXXXXXXX NJ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701583 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571082 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX evidence the borrower's business has been in existence for a minimum of XX years, required under the XXXXXX XXXXXX XXXX XX XXXX statement program. XXXX license in the file was issued XXXXXXXXXXX Received XXXXXXXX since XXXX     07/22/2026     A 1 XXXXXXXXXX TN 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701583 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571083 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXXXX the date on the XXXXXXX XXXXXXXXXXXXX of XXXXXXXXXXXX Received dated XXX day XXXX     07/25/2026     A 1 XXXXXXXXXX TN 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701584 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571086 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX management approval to use XXXXX on rural property.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXX % where the max allowed is XXX       07/10/2026 B 2 XXXXXXXXXX MT 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701584 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571087 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXX management approved XXXXXXXXX with subject being rural and approved appraisal as well as getting XXXX from borrower verifying subject will be an investment since it is on the same street as primary residence.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXX % where the max allowed is XXX       07/10/2026 B 2 XXXXXXXXXX MT 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701585 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571088 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX all units required to be min XXXX sq ft XXXXXXXXXX request not all units over XXXX sq ft.   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXXX XXXX when min fico required is XXXXX XXXXX XXXXXXX when min XXXXX is XXXXXXXX XXXXXXX months reserves when only XX months reserves are required. XXXXXXXXXX mtg and credit history XXXXXX XXXXXXXXX multi unit investor.       07/27/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701585 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571089 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   XXXX and XXXXX payments for the borrower's primary was not verified.   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXXX XXXX when min fico required is XXXXX XXXXX XXXXXXX when min XXXXX is XXXXXXXX XXXXXXX months reserves when only XX months reserves are required. XXXXXXXXXX mtg and credit history XXXXXX XXXXXXXXX multi unit investor.       07/28/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701586 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571090 862 XXXXXXXXXX Credit Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   nter XXXXXX XXXXXXXXXX XXXXXX XXXXXX XXXXXXXX Information provided     08/13/2026     A 1 XXXXXXXXXX AZ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1701592 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571098 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXXX provide XXXXX for XXXXXXX XXXXX XXXXXXXX XXXXXXXX and loan, XXXXX Received XXXX     07/22/2026     A 1 XXXXXXXXXX CA 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701593 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571104 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   XXXXXXXXXXX for the XXXXX unit XXXXX loan program require a XXXXXXXX mortgage history.  XXXXXXXXX has a XXXXXXXX mortgage history.   Client waived with compensating factors: XXXXXXX assets for servers XXXXXXXXX XXX mortgage history aside from one-off;        07/21/2026 B 2 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701593 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571105 323 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   XXXXXXXXXXX for the XXXXX unit XXXXX loan program require a borrower to have prior experience owning XXXX unit properties.  XXXXXXXXX has no investor experience owning XXXX unit properties.   Client waived with compensating factors: XXXXXXX assets for servers XXXXXXXXX XXX mortgage history aside from one-off;        07/21/2026 B 2 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701593 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571106 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX for the XXXXX unit XXXXX loan program require subject property to be only one parcel.  XXXXXXXX is a XXXXXXX and XXXXXXX building with different XXXXXXX   Client waived with compensating factors: XXXXXXX assets for servers XXXXXXXXX XXX mortgage history aside from one-off;        07/21/2026 B 2 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701594 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571107 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   XXXXXXXXXXX for the XXXXX loan program require all assets to be dated within XXX days of closing. XXX exception was granted for a XXXXX doc over XXX days.   Client waived with compensating factors: XXXXX XXXX XXXXXX minimum); credit history XXX back to XXXXXX XXXXXXXXX of XXXXXXXXXXXXX after closing.        07/13/2026 B 2 XXXXXXXXXX CT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701595 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571108 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXX title commitment. Title XXXXXXXXXX     07/22/2026     A 1 XXXXXXXXXX NJ 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701595 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571109 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   XX XXXXXX signed XXXXX was not provided. Final XXXXX XXXXXXXXXX     07/22/2026     A 1 XXXXXXXXXX NJ 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701595 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571110 323 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   XXXXXXXXXXX reflect a performing XXXXX XXX bankruptcy with a date greater than XX years may be considered up to XXXX XXXX with standard full doc and a minimum credit score of XXXX with XXXXXXX XXXXXXXXXXX approval. XXXXXXXXX XXXXX of XXXX on a performing XXXXXXX bankruptcy with a filing date greater than XX years.   Client waived with compensating factors: XXXXXXX file XXXXXXXXXXXX no derogatory credit after filing; XXXX XXXX XXXXXXXX       07/21/2026 B 2 XXXXXXXXXX NJ 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701595 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571111 323 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   XXXXXXXXXXX reflect borrower is required to have a minimum of XX XXXXXXXXXXXXX active. XXXXXXXXX included as part of a bankruptcy are not eligible to be used as tradelines.   Client waived with compensating factors: XXXXXXX file XXXXXXXXXXXX no derogatory credit after filing; XXXX XXXX XXXXXXXX       07/22/2026 B 2 XXXXXXXXXX NJ 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701595 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571112 848 XXXXXXXXXX Compliance Disclosure   Disclosure - ECOA- missing evidence of disclosure of appraisal report to borrower promptly upon completion or within 3 days of closing, or evidence that borrower waived right to receive   XXXXX proof XXXXXXXXXX was received by the borrower. Information provided     07/24/2026     A 1 XXXXXXXXXX NJ 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701596 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571113 357 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Cash Back Exceeds Limit   XXXXX out of XXXXXXXXXXXXXX exceeds the XXXXXXXXXX maximum cash out for the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX months reserves when only XX months required; XXXX XXXXX when XXXX is the minimum XXXXXX XXXXXX XXXXX when XXXXXX is the minimum XXXXXX       07/17/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701598 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571116 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX condo project questionnaire shows reserves of XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX cash downpayment XXXX post-closing reserves of XXXXXXX months exceeding guidelines of XX months XXXX residual income of XXXXXXXXXXXXX exceeding guidelines of XXXXXXXXXXXXX       06/29/2026 B 2 XXXXXXXXXX FL 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1701598 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571117 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXX states an "oversupply" for XXXXXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX cash downpayment XXXX post-closing reserves of XXXXXXX months exceeding guidelines of XX months XXXX residual income of XXXXXXXXXXXXX exceeding guidelines of XXXXXXXXXXXXX       06/29/2026 B 2 XXXXXXXXXX FL 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1701600 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571120 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXX res or XXXXX res alien XXXXXXXXXX request XXXX perm res alien   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX is experienced investor owning XX multifamily properties. XXXXX XXXXXXX when min required is XXXXXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXXXXX months reserves when only XX mo reserves are required.       08/04/2026 B 2 XXXXXXXXXX PA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701600 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571121 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXXX appraisal XXXXXXXXXX request XXXXXXXXXX appraisal   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX is experienced investor owning XX multifamily properties. XXXXX XXXXXXX when min required is XXXXXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXXXXX months reserves when only XX mo reserves are required.       08/04/2026 B 2 XXXXXXXXXX PA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701601 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571122 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXX commitment is missing from the loan file. Received title commitment     07/23/2026     A 1 XXXXXXXXXX AZ 3 3 D   B   D   B   N/A N/A A   A     Exempt 1
1701601 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571123 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXXXXXXX XXXX > XXXX XXXX maximum under the interest only XXXXX program.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, seasoned investor and XXXX fico score where the minimum required is XXXXX       07/23/2026 B 2 XXXXXXXXXX AZ 3 3 D   B   D   B   N/A N/A A   A     Exempt 1
1701602 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571124 455 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Does not meet requirement for Financed Prop   XXXXXXXX property is vacant and does not meet guideline requirements for a XXXXX XXXXXXXXX XXXXXXXXXXXX   Client waived with compensating factors:  XXXXXXX months of reserves when XX months is the minimum; XXXXXX XXXXX when XXXXXX is the minimum; XXXX XXXXX score when XXXX is the minimum.       07/21/2026 B 2 XXXXXXXXXX IN 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701603 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571125 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   XXXXXXXX complete title commitment. Received title     07/30/2026     A 1 XXXXXXXXXX IN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701606 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571130 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXX file is missing the title commitment. Received title     07/30/2026     A 1 XXXXXXXXXX RI 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701607 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571131 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX XXXXXXXX XXXXXXXXXXX is limited to XXXX however the borrower received XXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the minimum is XXXXX XXXXXXXXX XXXXXXX XXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months.       06/17/2026 B 2 XXXXXXXXXX NC 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701607 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571132 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   XXXX of XXXXXXXXX exceeds the maximum allowed of XXXX with an XXXX greater than XXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the minimum is XXXXX XXXXXXXXX XXXXXXX XXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months.       06/17/2026 B 2 XXXXXXXXXX NC 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701610 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571139 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX cannot be calculated, XXX analysis states lease amounts were used to calculate. XXXXXX could not be found in file. XXXXXXXX fully executed lease for subject property supporting XXXXX calculation.       07/08/2026     A 1 XXXXXXXXXX TN 3 3 A   A   A   A   N/A N/A A   A     Exempt 1
1701612 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571141 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXXXXXXXXX for the XXXXX XXXXX unit loan program require a minimum of XX months reserves.  XXX assets other than the final closing disclosure were provided. Assets provided     07/30/2026     A 1 XXXXXXXXXX IL 3 3 C   A   C   A   N/A N/A A   A     Exempt 1
1701613 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571142 271 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Collateral not acceptable/warrantable   XXXX guidelines, a full kitchen is required. XXXX subject project is considered to be a hotel with rooms having no typical kitchen, only microwaves and apartment type refrigerators are available.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX qualifying XXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXX where the guideline minimum is XXXXXXX and post closing reserves of XXXXXXXX months.       07/16/2026 B 2 XXXXXXXXXX HI 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1701613 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571143 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX subject property is a XXXX sq ft condotel. XXXX guidelines the minimum sq ft required is XXXX sq ft.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX qualifying XXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXX where the guideline minimum is XXXXXXX and post closing reserves of XXXXXXXX months.       07/16/2026 B 2 XXXXXXXXXX HI 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1701614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571144 371 XXXXXXXXXX Valuation UW Qualifications   UW Qualifications - UW - Declining Market Policy not met/satisfied   XXX management approval is shown.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX since XXXXXXXX paid as agreed. XXX months reserves are required, XXXXXXXXX has XXXXXXX months reserves. XX minimum score for XXXX XXXX which the loan was submitted is XXXX or at XXXX where the loan actually qualifies, the score is a minimum of XXXXX       08/14/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571145 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXX per the XXXXXXXX the maximum XXXX for a declining market loan is XXXXXX XXXXX XXXX is XXXX (stacked)   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX since XXXXXXXX paid as agreed. XXX months reserves are required, XXXXXXXXX has XXXXXXX months reserves. XX minimum score for XXXX XXXX which the loan was submitted is XXXX or at XXXX where the loan actually qualifies, the score is a minimum of XXXXX       08/14/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571146 455 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Does not meet requirement for Financed Prop   XXX per XXXXXXXXX guidelines, when the XXXXX is below XXXXXX a non-warrantable condo is not an eligible property.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX since XXXXXXXX paid as agreed. XXX months reserves are required, XXXXXXXXX has XXXXXXX months reserves. XX minimum score for XXXX XXXX which the loan was submitted is XXXX or at XXXX where the loan actually qualifies, the score is a minimum of XXXXX       08/14/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571147 339 XXXXXXXXXX Credit UW Other   UW Other - UW - Data Input Error   XXX per the appraisal, the subject is vacant so the market rent must be used for the XXXXX rental income. XXXX XXX used XXXXXXX a month when the XXXXX and desk review state it as XXXXXXX a month. XXXXX approval changed as XXXXX is now below XXXX Received approval using XXXXXXX per month rent     08/14/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571148 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXX per XXXXXXXXX guidelines, when the XXXXX is below XXXXXX a mortgage history of XXXXXXXX is required. XXXXXXXXX does not have a true mortgage as their current XXXX residences mortgage is in the spouses name and the "mortgage" shown on the credit report is actually a timeshare which we look at as an XXXXXXXXXXXX debt versus an actual mortgage.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX since XXXXXXXX paid as agreed. XXX months reserves are required, XXXXXXXXX has XXXXXXX months reserves. XX minimum score for XXXX XXXX which the loan was submitted is XXXX or at XXXX where the loan actually qualifies, the score is a minimum of XXXXX       08/14/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701614 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571149 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the minimum loan size when the XXXXX is below XXXXX is XXXXXXXXXXXX XXXXXXXX loan is XXXXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX since XXXXXXXX paid as agreed. XXX months reserves are required, XXXXXXXXX has XXXXXXX months reserves. XX minimum score for XXXX XXXX which the loan was submitted is XXXX or at XXXX where the loan actually qualifies, the score is a minimum of XXXXX       08/10/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701615 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571150 321 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   XXXXXXXX tradeline exception.  XXXX guideline min XX reporting XXX months with activity in last XXX months.   Client waived with compensating factors: XXXXXXXXXXXX in reserves after closing, XXXXX scores of XXXXXXXXX XXX months housing history with no late payments.       07/21/2026 B 2 XXXXXXXXXX IL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701616 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571152 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the subject cannot be rented to a family member. XXXXXXXXX is currently rented to family members for the next XXXXX months.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX months reserves is required. XXXXXXXXXX have XXXXXXX months. XXXXXXXX XXXXX is XXXXXXX XXXXX XXXXX is XXXXXXXX XXXXXXXX mortgage history was XXXXXXXXX       07/08/2026 B 2 XXXXXXXXXX TX 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701617 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571153 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXX provide the appraisal. Information provided     06/30/2026     A 1 XXXXXXXXXX GA 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701617 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571154 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX credit score for XXXXX XXXX XXXX XXXXXXXXX only purchase is XXXXXX XXXXXXXXX in file for subject XXXXX XXXXX   Client waived with compensating factors: XXXXXXXXXXXX investor, mortgages XXXXX XXX months reserve when the minimum required is XX months.        06/30/2026 B 2 XXXXXXXXXX GA 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701619 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571155 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX is missing XXXX for XXXXXX Received XXX     07/15/2026     A 1 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701619 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571156 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXX property with XXXX sq ft.  XXXX guidelines min allowable square footage is XXXX sq ft.   Client waived with compensating factors: XXXXXXXXX has reserves of  XXXXXXXXXX post closing,  XXXXXXXX XXXXX scores where the minimum allowable score is XXXXX XXXX XXXX of XXXXXXXX where maximum was XXXXX       07/07/2026 B 2 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701621 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571157 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   XXXX missing from file. Received XXXX     06/27/2026     A 1 XXXXXXXXXX FL 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701622 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571158 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX credit report for XXXXXX XXXXX       07/30/2026     A 1 XXXXXXXXXX TX 1 13 D   A   D   A   A   A   A   A     Non-QM 1
1701622 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571159 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX XXXXXX XXXXXX XXXXX XXXXXXXXXX XXXXXXXXX covering most recent XXX month period.       07/30/2026     A 1 XXXXXXXXXX TX 1 13 D   A   D   A   A   A   A   A     Non-QM 1
1701622 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571160 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXX within XXX days of closing missing from the file. Received XXX day XXXX     08/04/2026     A 1 XXXXXXXXXX TX 1 13 D   A   D   A   A   A   A   A     Non-QM 1
1701623 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571161 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXXX XXXXX XXXXXXXXX       07/24/2026     A 1 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701623 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571163 455 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Does not meet requirement for Financed Prop   XXXX subject property has XX of XX units vacant when a all units must be occupied for a XXXXXXXXX XXXXXXXXXX per guidelines for the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX XXXXXXXXX   Client waived with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX months reserves when XX months is minimum required; XXXXXXXX mortgage history when XXXXXXXX is the minimum ; XXXXXX XXXXX when XXXXXX is the minimum.       07/23/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701625 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571166 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a XXXXX must be completed within XXX days prior to the note date.- XXXXXXXX VVOE dated XXXXXXXXXX provided      08/07/2026     A 1 XXXXXXXXXX SC 1 1 D   A   D   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701625 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571167 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a XXXXX must be completed within XXX days prior to the note date.- XXXXXXXXXXX VVOE dated XXXXXXXXXX provided      08/07/2026     A 1 XXXXXXXXXX SC 1 1 D   A   D   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701625 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571168 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXX per XXXXXXXXX guidelines, the maximum payment shock is XXXXX XXXXX exceeds that as the XXXXXXXXXX own their past XXXX property free and clear. Received loan approval for payment shock     08/10/2026     A 1 XXXXXXXXXX SC 1 1 D   A   D   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571171 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXX XXXXXXXXXX in file Information provided     07/29/2026     A 1 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571172 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX loan is a XXXXX XXXXXXXXXX program. XXXX XXXXX XXXXXXXXXX income spread sheet is missing from the file.       07/29/2026     A 1 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571173 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX appraisal is missing from the file       07/29/2026     A 1 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571174 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX XXXX XXXXXXXXXXXXXXX XXXXXXX appraisal is missing from the file.       07/29/2026     A 1 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571175 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXX signed XXXX       07/29/2026     A 1 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571176 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the minimum score to do the XXXXX XXXXXXXXXX program is XXXXXX XXXXXXXXXX score is XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX is XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXX history is XXXXXXX XXXX months reserves is required. XXXXXXXXX has XXXXXXX months.       07/29/2026 B 2 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571177 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, a XXXXXXXXX needs to be self employed XXXX years. XXXXXXXXX is XXXX years.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX is XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXX history is XXXXXXX XXXX months reserves is required. XXXXXXXXX has XXXXXXX months.       07/29/2026 B 2 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701629 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571178 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, a borrower needs a minimum of XX tradelines with a limit of XXXXXXX each. XXXXXXXXX lacks those trades.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX is XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXX history is XXXXXXX XXXX months reserves is required. XXXXXXXXX has XXXXXXX months.       07/29/2026 B 2 XXXXXXXXXX GA 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701630 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571179 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX final XXX from the closing of the XXXXXXX loan. Duplicate condition     08/04/2026     A 1 XXXXXXXXXX CA 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701630 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571180 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX final XXX from the closing of the XXXXXXX loan. Condition did not show as a critical need to the client.     08/04/2026     A 1 XXXXXXXXXX CA 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701630 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571181 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX final signed XXX from the closing of the XXXXXXX loan Information provided     08/04/2026     A 1 XXXXXXXXXX CA 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701630 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571182 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX signed XXX from the XXXXXXX loan TPS XXXXXX XXXXXXXXXX     08/04/2026     A 1 XXXXXXXXXX CA 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701630 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571183 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           08/06/2026     A 1 XXXXXXXXXX CA 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701631 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571185 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXX provide the title. Information provided     07/09/2026     A 1 XXXXXXXXXX FL 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701631 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571186 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXXXXXX title report has been requested and also need the closing protection letter. Received title and XXX     07/08/2026     A 1 XXXXXXXXXX FL 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701632 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571187 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX income documentation for XXXXX XXX       07/21/2026     A 1 XXXXXXXXXX TN 1 1 C   B   C   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701632 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571188 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX final, fully executed XXXXXXXX XXXXXXXXXXX for XXXXXXX XXXX TPS XXXXXX XXXXXXXXXX     07/21/2026     A 1 XXXXXXXXXX TN 1 1 C   B   C   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701632 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571189 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXX of bridge loans on all programs require XXXXXXX XXXXXXXXXXX approval. XXXXXXXXXX approval from senior management in file allowing for use of bridge loan funds.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX       07/22/2026 B 2 XXXXXXXXXX TN 1 1 C   B   C   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701633 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571191 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXX XXXXX closing disclosure is missing. XXXXXXXX final, fully executed bridge loan XXXX       07/06/2026     A 1 XXXXXXXXXX MD 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701633 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571192 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXX loans on all programs require senior management approval. XXXXXXXXXX XXXXXXXXX from senior management in file allowing for use of bridge loan on this transaction.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX       07/07/2026 B 2 XXXXXXXXXX MD 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701635 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571195 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXX XXXX per program XXX   Waived with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX score where the minimum required is XXXX and XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXX        08/07/2026 B 2 XXXXXXXXXX MN 2 13 C   B   C   B   A   A   A   A     Non-QM 1
1701636 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571197 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the final signed bridge XXXXXXXX XXXXXXXXXXX evidencing proceeds of XXXXXXXXXXXXXX       07/09/2026     A 1 XXXXXXXXXX MI 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701636 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571199 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX shock of XXXXXXXXX exceeds the guideline maximum of XXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXX months.       07/09/2026 B 2 XXXXXXXXXX MI 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701636 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571200 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   XXXX exceeds the guideline maximum of XXXX for an XXXX > XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXX months.       07/09/2026 B 2 XXXXXXXXXX MI 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701636 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571201 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   XXXXX XXXXXX with a balance of XXXXXXX was excluded from the XXXXXX XXXX guidelines, XXXXXX obligations must be included in the debt-to-income ratio calculation, regardless of time remaining on the  lease.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXX months.       07/09/2026 B 2 XXXXXXXXXX MI 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701638 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571205 397 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Inquiries not properly addressed   XXXXXXXX an account statement and pay history for the XXXXXXXXXXXXXXXXX XXXXX loan noted on the borrower's letter of explanation for XXXXXXX XXXXXXXXXXXX  XXXX letter states they do take out an additional loan with a current balance of XXXXXXXXXXX and this loan was not disclosed on the XXXXXXXX or XXXXXX XXXXXXXXXXXXX and not included in the XXXX ratio. Adding the new undisclosed debt the XXXX raised to XXXXXXXXXX XXXXXX within guidelines. XXXXXXXX XXXXX approval with new XXXX provided.     07/28/2026     A 1 XXXXXXXXXX GA 1 13 C   A   C   A   A   A   A   A     Non-QM 1
1701638 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571206 376 XXXXXXXXXX Credit UW Other   UW Other - UW - SS verification   XXXXXXXX documentation validating the borrower's tax payer XXXXXXXXXX security number. Patriot XXXX form verifies XXXX at top of page. XXXXXXXXX is signed off by auditor, confirming its validity.      07/21/2026     A 1 XXXXXXXXXX GA 1 13 C   A   C   A   A   A   A   A     Non-QM 1
1701604 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13718564 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX XX unit under XXXX sq XXXXX  XXXX guidelines all units must be at least XXXX sq ft.   Client approved with compensating factors: XXXXXXXXX in multifamily properties since XXXXXX XXXXX XX million in reserves after closing, XXXX median credit score where XXXX is required.       08/10/2026 B 2 XXXXXXXXXX HI 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1701609 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13803895 423 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Correction/Clarification   XXXXXXXXXX "as is", pictures shows stairs out back door crumbling and definitely a hazard. XXXXXXXXXXXXXX property meets safety requirements.   Client waived with compensating factors: XXXX XXXXX required, brw XXXX XXXXXXX XXXXXXXX reserves required, XXXXXXXXXX reserves verified. XXXXXXXXXXXX investor XXXXX XXXX XXXXX XXXXX       07/10/2026 B 2 XXXXXXXXXX TN 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701609 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13803896 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXX property requires management approval.   Client waived with compensating factors: XXXX XXXXX required, brw XXXX XXXXXXX XXXXXXXX reserves required, XXXXXXXXXX reserves verified. XXXXXXXXXXXX investor XXXXX XXXX XXXXX XXXXX       07/09/2026 B 2 XXXXXXXXXX TN 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701640 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571208 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX appraisal is missing from file. XXXXXXXX full appraisal and rent schedule.       07/23/2026     A 1 XXXXXXXXXX IL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701640 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571209 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX loan amount id XXXXXXXXXX on XXXXX XX - XXX XXXXX XXXXXXXXXX XXXXXXXXXX approval from senior management in file allowing subject loan amount to be XXXXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXX       07/23/2026 B 2 XXXXXXXXXX IL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701642 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571210 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX no multifamily investment experience.  XXXXXXXXX has single family investment experience.   Client waived with compensating factors: XXXXXXXXX has experience working as a project manager, XXXXXXXXXXXX in reserves after closing. XXXXX > XXXXXX       07/31/2026 B 2 XXXXXXXXXX AK 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701643 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571212 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XX verbal verification of employment (verbal XXXXXX must be obtained for each borrower using employment or self-employment income to qualify. XXXX verbal XXXX must be obtained within XXX business days prior to the note date for employment income, and within XXX calendar days prior to the note date for self-employment income. Received XXXX     07/07/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1701645 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571214 322 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Minimum FICO   XXXX XXXXX score of XXXX does not meet the minimum XXXXX allowed of XXXX for the XXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required; XXXXXXXX XXXX when XXXX is the maximum; XXXXXX XXXXX when XXXXXX is the minimum.       07/10/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701646 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571215 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX maximum allowable acres is XXX acres per guidelines. XXXXXXXX property is XXX acres.   Client waived with compensating factors: XXXX XXXX XXXXXXXX when max allowable is XXXXX good residence history, living in XXXXXXXX XXX years; XXXXXXXXXXX investor owning multiple XXXXXX       07/19/2026 B 2 XXXXXXXXXX CA 3 3 C   B   A   A   N/A N/A C   B     Exempt 1
1701647 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571216 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXX XXXXX TPS XXXXXX XXXXXXXXXX     07/09/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1701647 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571217 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXXXX XXXXX XXX days prior to closing.       07/09/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1701650 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571221 414 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - New Construction Documentation   XXXXXX provided in file. XXXXXX preliminary report states XXXXXX reported. XXXXXXXXX to be identified as XXXX on appraisal and est XXXX fees included in XXXXXX CCR's were removed on title     07/07/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701650 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571222 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXX XXXXXXXXXXXX XXXXX time investor not allowed.   Client waived with compensating factors: XXXXX than XXX months reserves. XXXXXXXXXX value XXXXXXXXXX and purchase XXXXX XXXXXXXXXX on new construction. XXXXXX mtg's listed on XXXXXXX reports paid with no lates and paid off early.        07/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701650 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571220 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXX on XXXXXXXX XXXXXXX XXXX account ending in XXXXXXX do not match names of brws. XXXXXXXX proof brw XX is the same person as listed on statement. Received XXX     07/07/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701651 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571224 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXXX for the XXXXX unit XXXXX loan program require all units to be a minimum of XXXX square feet with full kitchens. XXXXXXXX has XX units under XXXX square feet without stoves.   Client waived with compensating factors: XXX mortgage history since XXXXXX XXXX XXXXX XXXXX tradelines back to XXXXXX       07/21/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701651 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571225 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXXXXX for the XXXXX unit XXXXX loan program require all units to have a lease. XXXX unit was missing the XXXXXX and no income was utilized for the unit.   Client waived with compensating factors: XXX mortgage history since XXXXXX XXXX XXXXX XXXXX tradelines back to XXXXXX       07/21/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701652 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571226 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXXX with less than two years in the current business.   Client waived with compensating factors: XXXXXXXXXXXX residual income where XXXXXXX is required, XXXXXXX months of reserves where XX months are required, XXXXX of XXXX where XXXX required       07/20/2026 B 2 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701653 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571227 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXX properties not permitted on XXXXXXX XXXXXXXXX in file to allow rural property.   Client waived with compensating factors: XXXXXXXXXXXX investor, XXXX XXXX when the max allowed is XXXXX XXXX XXXXX when the minimum requirement is XXXXX XXXXXX XXXXX when the minimum requirement is XXXXXX XXX months reserve when the minimum requirement is XX months.        07/09/2026 B 2 XXXXXXXXXX TN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701654 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571228 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX provide updated hazard policy with annual premium present. Information provided     07/10/2026     A 1 XXXXXXXXXX TN 3 3 C   B   C   A   N/A N/A C   B     Exempt 1
1701654 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571229 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX guidelines do not allow rural properties on a XXXXX loan. XXXX loan was approved as a XXXXX loan and the appraisal reflects the property is located in a rural area. XXXXX contains a lender approved exception.   Credit XXXXXX of XXXX when XXXX is reuqired. XXXXX is XXXXXXX when XXX is required. XXXXXXXXX of XXXXXXXXX when XXXXXXXX is required. XXXXXXXXX investor for XXX years.        07/09/2026 B 2 XXXXXXXXXX TN 3 3 C   B   C   A   N/A N/A C   B     Exempt 1
1701655 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571230 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX provide updated hazard policy with annual premium present. Information provided     07/10/2026     A 1 XXXXXXXXXX TN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701655 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571231 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX XXX XXXXXX properties on XXXXX XXXXXXXXXX XXXXXXXXX XXXXXX prop on XXXXX   COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXXXXX when XXXXXXXXX min XXXXX is XXXXXXXX XXXXX XXXX when min XXXXX is XXXXX XXXXXXX months reserves when reserves required is XX months. XXXXXXXXX is XXXXXXXXX investor owning many investment properties       07/09/2026 B 2 XXXXXXXXXX TN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701656 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571232 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX provide updated hazard policy with annual premium present. Information provided     07/10/2026     A 1 XXXXXXXXXX TN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701656 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571233 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX needed for XXXXXX property per XXXXX guidelines XXXXXX properties are ineligible.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX current mortgage payment history, seasoned investor and XXXX fico score where the minimum required is XXXXX       07/09/2026 B 2 XXXXXXXXXX TN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701657 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571234 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX guidelines require the property to have at least XXXX square feet. XXXX appraisal reflects the subject property is only XXXX square feet, which does not meet the guideline requirement of XXXXX   Credit score is XXXXX XXXX required. XXXXX XXX months of reserves, XX  months required. XXXX XXXXXXXXX up to XXXX allowed. XXXXXXXXX investor for at least XX years.       07/22/2026 B 2 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701657 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571235 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX XXXX fees are required to be included in the XXXXXXXX XXXX XXXX statement reflects XXXX dues of XXXXXXXXXX and XXXXXXXX XXXXXXX did not include in the second XXXX due of XXXXXXXX XXXX XXXXX would be less than XXXXXX is the additional XXXX dues were included in the XXXXXXX which is not allowed when using short term rental income.  XXXXXXX approved exception in file.   Credit score is XXXXX XXXX required. XXXXX XXX months of reserves, XX  months required. XXXX XXXXXXXXX up to XXXX allowed. XXXXXXXXX investor for at least XX years.       07/21/2026 B 2 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701657 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571236 1011 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Calculation Discrepancy rental income   XXXX guidelines require short term rental income to calculated using a XXXX expense ratio. XXXX lender used XXXXX of the short term rental income instead of the required XXXXXX XXXX XXXXX would be less than XXXXXX if XXXX of the short term rental income was used to qualify the loan, which is not allowed when using short term rental income. XXXXXXX approved exception in file.   Credit score is XXXXX XXXX required. XXXXX XXX months of reserves, XX  months required. XXXX XXXXXXXXX up to XXXX allowed. XXXXXXXXX investor for at least XX years.       07/21/2026 B 2 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701658 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571237 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     08/06/2026     A 1 XXXXXXXXXX FL 2 3 C   A   A   A   C   A   A   A     Non-QM 1
1701659 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571241 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX XXXXX XXXXXXX of XXXXXXXXXX is less than the minimum XXXXX XXXXXXX allowed of XXXXXXXXXX for the XXXXX XXXXX XXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXX score where the minimum required is XXXXX XXXXXXXX months reserves when only XX months required; XXXXX of XXXXXX where the minimum required is XXXXXXX       07/31/2026 B 2 XXXXXXXXXX NC 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701659 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571242 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX appraisal identifies the subject property as zone XXXXXX XXXXXXXXXXXX and has a private dirt road.  XXXXX XXXXXX are not permitted by the XXXXXX XXXXXXXXXXX guidelines. Sr XXXXX approval dirt road.     08/07/2026     A 1 XXXXXXXXXX NC 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701661 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571243 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX guidelines require each unit to have at least XXXX square feet. XXXX the appraisal, one unit has XXXXXXXX square feet. XXXXXXX approved exception in file.   XX.XX% XXXXX XXXX allowed. XXXX credit score, XXXX required. XXXXX XXX months of reserves, XX months required. XXXXXX XXXXX ratio, XXXXX required.       08/06/2026 B 2 XXXXXXXXXX CA 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1701662 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571244 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the XXXXXX closing disclosure for the XXXXXXX XXXXX with proceeds of XXXXXXXXXXX       07/21/2026     A 1 XXXXXXXXXX MT 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701662 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571245 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXX the XXXXXX signed and dated closing disclosure for the XXXXXXX XXXXX with proceeds of XXXXXXXXXXXXXXXX XXXXXXXXX copy that was not signed. Received signed and dated XXX for XX XXXXXXXXX XXXXXXX property sold     07/27/2026     A 1 XXXXXXXXXX MT 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701663 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571246 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX exception for investor loan closed under the asset qualifier program. XXXX program requires property to be primary residence only.   Client waived - score XXXX - min XXXXX reserves XXXXXXXXXXXX min - XXXXXXXXXXX residual income XXXXXXXXX min XXXXXX       07/29/2026 B 2 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701663 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571247 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX approval for rural property. Received XXX XXXXX approval     07/29/2026     A 1 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701663 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571248 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX legal approval for XXXX XXXX XXXXX XXXXXXXXXX       07/29/2026     A 1 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701664 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571250 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX policy in file reflects quote. XXXXXXX provide updated policy. Information provided     07/22/2026     A 1 XXXXXXXXXX CO 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701664 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571251 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX loan was approved under the XXXXXXXXX XXXXXXXXX XX XXXXX XXXXXXXXXXXXXX programm, which require XX tradelines with XX being active. XXXX borrower has XX tradelines open; however, only XX of the tradelines are active. XXXXXXX approved exception in file.   LTV of XXXXXXXX when XXXX is allowed. XXXX is XXXXXXXX when the XXXX is allowed. XXXXXXXXX XXXXXXXXX when XXXXXXXX is required. XXXXXXX XXXXXX is XXXX when XXXX is required.        07/16/2026 B 2 XXXXXXXXXX CO 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701664 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571252 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX loan was approved under the XXXXXXXXX XXXXXXXXX XX XXXXX XXXXXXXXXXXXXX program, which allows a payment shock up to XXXXXX when the XXXX is less than XXXXXX  XXXX payment shock is over XXXXXXXX XXXXXXX approved exception in file.   LTV of XXXXXXXX when XXXX is allowed. XXXX is XXXXXXXX when the XXXX is allowed. XXXXXXXXX XXXXXXXXX when XXXXXXXX is required. XXXXXXX XXXXXX is XXXX when XXXX is required.        07/16/2026 B 2 XXXXXXXXXX CO 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701664 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571253 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXX file is missing the XXXXXXX XXXXXXXX XXXXXXXXXXX for the departing residence to verify the assets needed for the subject loan closing. Received XXXXXXX XXXXXXX loan XXX with proceeds of XXXXXXXXXX      07/16/2026     A 1 XXXXXXXXXX CO 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701665 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571254 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX for the XXXXX loan program reflect when XXXXX is < XXXXXXX XXXXXXX XXXXXXXXXXX approval is required.   Client waived with compensating factors: XXXXX above minimum XXX XXXX XXX XXXXX XXX months reserves after closing; XXXXXXXX residence owned free and clear       07/09/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701665 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571255 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXX for the XXXXX loan program require XXXXXXX XXXXXXXXXXX approval for all loans completing a XXXXXXXX XXXXX XXXXXXXXXXX XXX senior management approval was provided for the  reverse XXXXX eschange. Received XXX XXXXX approval for the reverse XXXXX exchange.        07/10/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701669 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571256 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX file is missing the XXXXXXX XX TPS XXXXXX XXXXXXXXXX     07/23/2026     A 1 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701669 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571257 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX borrower to qualify using XXXX income with borrowers moving from XXXXXXX to XXXXXXXXXX XXXXXXXXXX is she will be able to find similar work and the sale of her departing residence  will easily net XXXXX once sold which could then be used for depletion to cover the XXXXXX per month she makes from her job.   Client waived with compensating factors: XXXXXXXXXXX XXXXXXXXX income where XXXXXXX is required, XXXXXXXXXX in reserves after closing, XXXXXXXXX is an experienced homeowner as she has owned departing residence for XXXXXXXXXXX       07/23/2026 B 2 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701669 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571258 321 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   XXXXXXXXX with co-borrower not being a qualifying borrower.   Client waived with compensating factors: XXXXXXXXXXX XXXXXXXXX income where XXXXXXX is required, XXXXXXXXXX in reserves after closing, XXXXXXXXX is an experienced homeowner as she has owned departing residence for XXXXXXXXXXX       07/23/2026 B 2 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701669 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571259 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   XXXXXXXXXX was completed XXXXXXXX to, but a XXXXXX was not provided. Received final inspection     07/24/2026     A 1 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   C   A     Non-QM 1
1701670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571260 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   XXXXXXXX final XXXXXX commitment. Received title commitment     07/29/2026     A 1 XXXXXXXXXX NC 3 1 D   A   C   A   N/A N/A D   A     Exempt 1
1701670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571261 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXXX XXXXXX XXX for refinance on XXXXX XXXXXXXXXX XXXXX XXXXX XXXXXXXXXX short approx XXXXXXXXX for XXX       07/28/2026     A 1 XXXXXXXXXX NC 3 1 D   A   C   A   N/A N/A D   A     Exempt 1
1701670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571263 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXXXXXX XXXX XXXXX for subject property. Received XXXX XXXX     07/29/2026     A 1 XXXXXXXXXX NC 3 1 D   A   C   A   N/A N/A D   A     Exempt 1
1701670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571264 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXXXXXXXX review missing from file. Received XXX     07/29/2026     A 1 XXXXXXXXXX NC 3 1 D   A   C   A   N/A N/A D   A     Exempt 1
1701671 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571269 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXX XXXXXXX XXXXXXXXXX XXXXXXX reflected an expiration date of XXXXXXXXXX however, the loan disbursement date was XXXXXXXXXXXXX XXXXXXX provide XXXXXXXX XXXXXXXX Information provided     07/28/2026     A 1 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701671 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571270 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXX file is missing the hazard insurance policy for the subject property. XXXX policy must reflect XX months of rent loss insurance. Received XXXX with rental coverage     07/27/2026     A 1 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701671 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571271 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   XXXX file is missing the title commitment. Received title     07/27/2026     A 1 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701671 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571272 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXX borrower is self-employed with less than XX years of being self-employed. XXXX guidelines require at least XX years of self-employment for the XXXX statement program. XXXXXXX approved exception in file.   XxXX mortgage history, XXXXX required. XXXX credit score, XXXX required. XXXXXXXX in residual income, XXXXXXXX is required. XXXXX XXX months in reserves, XX months required.        07/27/2026 B 2 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701673 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571273 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXXX XXXXX XXXXXXXXX       07/24/2026     A 1 XXXXXXXXXX MD 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1701674 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571274 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXX guidelines require the borrower to be self-employed for at least XX years under the XXXXXX XXXXXX XXXXX XXXXXXXXXX program. XXXX file does not contain documentation to verify the XX year self-employment history. XXXXXXX approved exception in file.   DTI is XXXXXXXXX up to XXXX allowed. XXXX is XXXXXXXX up to XXXX allowed. XXXXX XXX months of reserves, XX months required. XXXXXXX XXXXXX is XXXXX XXXX is required. XXXXXXXXX income is XXXXXXXXX XXXXXXXX is required.        07/21/2026 B 2 XXXXXXXXXX CO 1 3 D   B   D   B   A   A   C   B     Non-QM 1
1701674 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571275 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX property is located in a rural are. XXXX guidelines allow rural properties with lender approval. XXXX file does contain the lender approved exception.   DTI is XXXXXXXXX up to XXXX allowed. XXXX is XXXXXXXX up to XXXX allowed. XXXXX XXX months of reserves, XX months required. XXXXXXX XXXXXX is XXXXX XXXX is required. XXXXXXXXX income is XXXXXXXXX XXXXXXXX is required.        07/21/2026 B 2 XXXXXXXXXX CO 1 3 D   B   D   B   A   A   C   B     Non-QM 1
1701675 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571276 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXXX full XXXXXXXXX Appraisal was provided     07/29/2026     A 1 XXXXXXXXXX OR 3 1 D   A   A   A   N/A N/A D   A     Exempt 1
1701675 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571277 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing full appraisal and appraisal review.       07/29/2026     A 1 XXXXXXXXXX OR 3 1 D   A   A   A   N/A N/A D   A     Exempt 1
1701676 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571280 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX deal approved by mgmt. due to the scenario XXXXXXXXX will be moving out of subject and paying approximately XXXXXX per month rent.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required.       08/11/2026 B 2 XXXXXXXXXX HI 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701677 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571282 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXXXX approval is required for a XXXXXX XXXXXX XXXX XX XXXXXXXXX XXXXXXXXXX XXXXX XXXXXXXXX having a mortgage history that exceeds XXXXXXXX (actual is XXXXXXXX on XXXXXXXXX  XXXXXXXXX management approval for late payment XXX months ago     07/19/2026     A 1 XXXXXXXXXX OR 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701677 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571283 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX closing protection letter Received XXX     07/19/2026     A 1 XXXXXXXXXX OR 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701677 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571284 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXX final XXX for a XXXXXXX XXXXX closing in XXXXXXXXXX which shows net proceeds of at least XXXXXXXXXXXXXX and showing the payoff of XXXXXXXX XXXXXXXXX XXXXXXX in the approximate amount of XXXXXXXXXXXXXXX Received bridge loan with net proceeds of at least XXXXXXXXXXXXXX and showing the payoff of XXXXXXXX XXXXXXXXX XXXXXXX in the approximate amount of XXXXXXXXXXXXXXX     07/19/2026     A 1 XXXXXXXXXX OR 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701679 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571285 957 XXXXXXXXXX Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   XXXXXXX provide the XXXX payment letter. Information provided     07/17/2026     A 1 XXXXXXXXXX AR 1 1 B   A   B   A   A   A   A   A     Non-QM 1
1701679 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571286 959 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   XXXXXXX provide the ieads. Information provided     07/17/2026     A 1 XXXXXXXXXX AR 1 1 B   A   B   A   A   A   A   A     Non-QM 1
1701680 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571287 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX appraisal for review.       07/21/2026     A 1 XXXXXXXXXX TN 1 1 C   B   C   B   C   A   A   A     Non-QM 1
1701680 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571288 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXXXXXXX sources of income include temporary income (i.e. temporary disability, workman’s comp, etc.)   Client with compensating factors: XXXX XXXX when max XXXX XXXX allowed. XXXXXXXXX XXXX when a max XXXX XXXX allowed. XXXX XXXXX when a minimum XXXX XXXXX required.        07/21/2026 B 2 XXXXXXXXXX TN 1 1 C   B   C   B   C   A   A   A     Non-QM 1
1701680 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571290 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     07/31/2026     A 1 XXXXXXXXXX TN 1 1 C   B   C   B   C   A   A   A     Non-QM 1
1701680 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571291 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XXXXX is failing XXX tolerance for increase in XXXXXXXXX XXXXXX on the final XXXXX  XXXXXXXXXX amount is XXXXXXXX of which the final XXX cured XXXXXXXXX leaving XXXXX cents left to be cured.  XXXXX a XXXXX with full cure, lox to borrower, and proof of refund, all within XXX days of consummation XXXXXX Information provided     07/31/2026     A 1 XXXXXXXXXX TN 1 1 C   B   C   B   C   A   A   A     Non-QM 1
1701681 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571292 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing the XXXXXXX XXXXX XXXX XXXXXXXXX XXXXXXX XXXXXXXXXXX XXX XXXXX       07/17/2026     A 1 XXXXXXXXXX PA 1 1 C   A   A   A   A   A   C   A     Non-QM 1
1701681 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571293 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXX value of XXXXXXXX was used, per guidelines, if review  value is lower, the lower value must be used.  XXXXXX value of XXXXXXXX should have been used as XXXXXXX CDA is within XXXXXX of original value and management approved the use of the original value of XXXXXXXXX     07/20/2026     A 1 XXXXXXXXXX PA 1 1 C   A   A   A   A   A   C   A     Non-QM 1
1701682 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571294 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXXXXXX less than two years self-employment.  XXXXXXXX of XX years is required.   Client waived with compensating factors: XXXXXXXXX has residual income of XXXXXXXXXX where XXXXX is required, XXXXXXXXX of XXXXXXX months where XX months is required, XXXXX of XXXX where minimum of XXXX is required.       08/03/2026 B 2 XXXXXXXXXX AZ 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701683 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571295 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX secondary valuation as XXX score was not determined. Received XXX     07/29/2026     A 1 XXXXXXXXXX NJ 1 1 D   A   D   A   A   A   C   A     Non-QM 1
1701683 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571297 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX a signed XXXX statement analysis worksheet for the borrower. XXXX statement income worksheet provided      07/31/2026     A 1 XXXXXXXXXX NJ 1 1 D   A   D   A   A   A   C   A     Non-QM 1
1701683 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571298 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXX a copy of the title commitment. Received title commitment     07/29/2026     A 1 XXXXXXXXXX NJ 1 1 D   A   D   A   A   A   C   A     Non-QM 1
1701686 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571302 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX required second collateral evaluation XXXXXX missing) Received XXX     07/30/2026     A 1 XXXXXXXXXX KS 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1701687 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571303 436 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete VOE   XXXXX program requires XX verification withing in XXX days of funding. XXXX for XXXXXXXX XXXX is not in file. XXXXXXXX XXXXX either orally or by email before loan documents are signed but no more than XXX days prior to loan funding Received XXX day XXXX     07/16/2026     A 1 XXXXXXXXXX CA 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701687 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571304 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXXXXXX closed with funds from XXXXXXX XXXXXXX XXXXXXX XXXXX final XXX was not in file. XXXXXXXX final, fully executed XXXXXXXX XXXXXXXXXXX for bridge loan transaction.       07/16/2026     A 1 XXXXXXXXXX CA 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701687 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571305 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXX XXXXXX on all programs require senior management approval. XXXXXXXXXX approval from senior management in file allowing for use of bridge loan funds.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXXX required, XXXX of XXXXXXXX when maximum allowed is XXXX and XXXX fico score where the minimum required is XXX       07/16/2026 B 2 XXXXXXXXXX CA 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701688 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571306 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXX XXXXXXXXX Received XXX     07/21/2026     A 1 XXXXXXXXXX WI 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1701689 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571307 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX final XXX for bridge loan.       07/20/2026     A 1 XXXXXXXXXX WA 1 1 A   A   A   A   A   A   A   A     Non-QM 1
1701690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571308 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX final XXX for XXXXX XXXXX XXX to verify XXXXXX TPS XXXXXX XXXXXXXXXX     07/30/2026     A 1 XXXXXXXXXX PA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1701690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571309 375 XXXXXXXXXX Credit UW Other   UW Other - UW - Title/Deed to evidence ownership   XXXXXXXX title commitment. Provided     07/30/2026     A 1 XXXXXXXXXX PA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1701690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571310 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXXXXXX tax cert or verification of property taxes on title commitment. Provided     07/30/2026     A 1 XXXXXXXXXX PA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1701690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571311 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXXXX XXXXXXXX – XXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXX required for all loans. Provided     07/30/2026     A 1 XXXXXXXXXX PA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1701690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571312 455 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Does not meet requirement for Financed Prop   XXXXXXXX XXXX sq. ft. per unit. XXXXX XX states XXXX sq ft.   Client waived with compensating factors: XXXX XXXXX score where a minimum score of XXXX required. XXXXXXX XXXXX where a minimum score of XX required. XXXXXXXXXXXX investor with no mtg lates on credit report.         07/30/2026 B 2 XXXXXXXXXX PA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1701690 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571313 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   XXXXXXXXX XXXX XXXXXXXXXXXXXXXXX XXXXXXX verified XXXXXXXXXXXXX (included loan proceeds from XXXXXXXXXXXXXXXXXX XXXXXXXXX required XXXXXXXXXXXX Received proceeds of XXXXXXXXXXXXXX from refi XX     08/04/2026     A 1 XXXXXXXXXX PA 3 1 D   B   C   B   N/A N/A D   A     Exempt 1
1701692 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571314 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX supporting documentation required for properties held by an XXXX including; XXXXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXX bearing evidence of filing with appropriate state authority, operating agreement, tax identification number, certificate of good standing, evidence of singing authority for individual on behalf of the entity. Operating XXXXXXXXXXX XXXXXXXXXX XXXXXXXX and XXX XXXX provided      07/31/2026     A 1 XXXXXXXXXX PA 3 13 D   A   C   A   N/A N/A D   A     Exempt 1
1701692 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571315 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXXXX XXXXXXXX – XXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXX required for all loans. Received XXX     07/30/2026     A 1 XXXXXXXXXX PA 3 13 D   A   C   A   N/A N/A D   A     Exempt 1
1701694 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571316 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXX provide the title policy. Information provided     07/23/2026     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701695 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571324 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX XXXXXXXXXXX approval XXXX purchase of a XXXX and XX months of reserves.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX where the minimum required is XXXXX and XXXX fico score where the minimum required is XXXXXX        07/21/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701697 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571326 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX provide the XXXXXXX XXXXXXXX       07/23/2026     A 1 XXXXXXXXXX UT 3 3 D   A   D   A   N/A N/A A   A     Exempt 1
1701697 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571327 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXX XXXXXXXXXXXXX XXXXX XXXXXXXXX is not in the file.       07/22/2026     A 1 XXXXXXXXXX UT 3 3 D   A   D   A   N/A N/A A   A     Exempt 1
1701697 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571328 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXX XXXXXXX XXXX       07/22/2026     A 1 XXXXXXXXXX UT 3 3 D   A   D   A   N/A N/A A   A     Exempt 1
1701697 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571329 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   XXXXXX statement to match the XXXXX to XXXXXX assets not in file. Received assets for cash to close matching the XXXX     07/22/2026     A 1 XXXXXXXXXX UT 3 3 D   A   D   A   N/A N/A A   A     Exempt 1
1701698 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571332 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   XXXXXXX insurance docs are missing, provide insurance for subject property. Received XXX     07/22/2026     A 1 XXXXXXXXXX CO 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701699 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571333 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   XXXXXXXXXXX require a XXXXXXXX rental history. XXXXXXXXX has less than XXX months rental history.   Client waived with compensating factors: XXXXX XXXX when minimum XXXX required; XXXX stacked at XXXXXXXXX when XXXX allowed based on XXXXXX       07/24/2026 B 2 XXXXXXXXXX FL 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1701699 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571334 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXXXXXXXXX require borrowers to have a minimum XX years of self-employment.  XXXXXXXXX has less than XX years of self-employment.   Client waived with compensating factors: XXXXX XXXX when minimum XXXX required; XXXX stacked at XXXXXXXXX when XXXX allowed based on XXXXXX       07/24/2026 B 2 XXXXXXXXXX FL 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1701700 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571340 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXX time investors are not permitted using short term rental income. XXXXXXXXX in file allowing XXXXXXXXX to purchase short term rental.   Client waived with compensating factors: XXXXXXX income not used to qualify. XXXX months reserve when the minimum requirement is XX months. XXX years of mortgage history paid as agreed. XXXX XXXXX when the minimum requirement is XXXXX       07/21/2026 B 2 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701700 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571341 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXX project including time shares are not permitted. XXXXXXXXX in file to allow project with XXXXXXXX share units.   Client waived with compensating factors: XXXXXXX income not used to qualify. XXXX months reserve when the minimum requirement is XX months. XXX years of mortgage history paid as agreed. XXXX XXXXX when the minimum requirement is XXXXX       07/21/2026 B 2 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701700 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571342 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXX projects with ongoing litigation are not permitted. XXXXXXXXX in file allowing project with XX open litigations.   Client waived with compensating factors: XXXXXXX income not used to qualify. XXXX months reserve when the minimum requirement is XX months. XXX years of mortgage history paid as agreed. XXXX XXXXX when the minimum requirement is XXXXX       07/21/2026 B 2 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701700 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571343 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXX within XXX days of closing is missing from the file. Received XXX day XXXX     07/21/2026     A 1 XXXXXXXXXX FL 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701701 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571345 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXXXXXX XXXXXXXXX of XXXXX XXXXX XXXXXXXXXXXX XXXXXXX XXXXXXX was not provided in loan file to confirm. Received XXXX with rent loss coverage     07/21/2026     A 1 XXXXXXXXXX TN 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1701702 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571347 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX closing disclosure for the XXXXXXX loan was not provided. TPS XXXXXX XXXXXXXXXX     08/10/2026     A 1 XXXXXXXXXX CO 1 1 A   A   A   A   A   A   A   A     Non-QM 1
1701705 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571350 65 XXXXXXXXXX Compliance Right to Cancel   Right to Cancel - is missing.   XXX XXXXXX to XXXXXXX in file for primary refinance       07/24/2026     A 1 XXXXXXXXXX AR 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701705 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571351 959 XXXXXXXXXX Credit Closing Package   Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect   XXXXXX XXXXXXXX from file       07/24/2026     A 1 XXXXXXXXXX AR 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701705 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571352 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXX needs to be signed by the borrower. Received signed XXX     07/29/2026     A 1 XXXXXXXXXX AR 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701705 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571353 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XX XXXXXXX XXXXXXXXXXXXX of XXXXXXXXXXX will be conducted by XXXXXXXXX XXXXXXXXX XXXXXXX within XX business days prior to documents and funding. VVOE dated XXXXXXXX     07/31/2026     A 1 XXXXXXXXXX AR 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571356 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   XXXXXXXXXXXX history printout with a balance of XXXXXXXXXXXXX is missing institution name and website XXXX This statement ties to the one in file ending XXXXXXXXX     07/24/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571358 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX XXXXXX of XXXXXXXX exceeds the maximum allowable of XXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum for the XXXX is XXXXX and XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXX       07/22/2026 B 2 XXXXXXXXXX TX 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571359 440 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete 1040's   XXXXXXXX two year tax returns to support the stated qualifying income of XXXXXXXXX monthly for the borrower self employment with XXXXX XXXXXXXX XXXXXXXXXX and XXXXXXX XXXX & XXXXX XXXXXXX attached are in the file and the calculation of XXXXX income for XXXXX XXXXXXXX XXXXXXXXXX & XXXXXXXX XXXX final XXXXX in the file reflects the income of XXXXXXXXXXXXX per month.     07/29/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571360 353 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LA/CLA exceeds Max. Limit   XXXXXXXXXX loan amount is XXXXXXXXXXXXXXXXXX XXXXX amounts greater than XXXXXXXXXXXX require senior management approval.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum for the XXXX is XXXXX and XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXX       07/22/2026 B 2 XXXXXXXXXX TX 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571361 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXXXX XXXXXXXXXXXXX of XXXXXXXXXXX XXXXXXXX for the borrowers employment with XXXXX XXXXXXXX XXXXXXXXXX and XXXXXXX Received XXXXX      07/24/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1701707 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571364 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXX to proceed in a declining market.   Client waived with compensating factors: XXXXXXXXXXXXX in reserves post closing, XXXX XXXXX  where XXXX is required, XXXX XXXX of XXXXXXXXXX         07/24/2026 B 2 XXXXXXXXXX KY 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701707 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571365 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXX XXXXX for an investment property.   Client waived with compensating factors: XXXXXXXXXXXXX in reserves post closing, XXXX XXXXX  where XXXX is required, XXXX XXXX of XXXXXXXXXX         07/24/2026 B 2 XXXXXXXXXX KY 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701707 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571366 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXX use of appraised value after owning the home for XX months rather than using the purchase XXXXX because there have been extensive improvements to the property since it was purchased.   Client waived with compensating factors: XXXXXXXXXXXXX in reserves post closing, XXXX XXXXX  where XXXX is required, XXXX XXXX of XXXXXXXXXX         07/24/2026 B 2 XXXXXXXXXX KY 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701707 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571367 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXX pictures of smoke detectors on XXXXXXX photos.   Client waived with compensating factors: XXXXXXXXXXXXX in reserves post closing, XXXX XXXXX  where XXXX is required, XXXX XXXX of XXXXXXXXXX         07/24/2026 B 2 XXXXXXXXXX KY 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701709 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571370 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXX file is missing the XXXXXX XXXXXXXXXXXX Received XXXXXX commitment     07/19/2026     A 1 XXXXXXXXXX MT 1 1 D   A   D   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701710 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571371 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX provide updated hazard that reflects the hazard policy number. Information provided     07/31/2026     A 1 XXXXXXXXXX NY 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1701712 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571373 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX XXXXXXXXXXXXX property on XXXXX XXXXXXXXXXXX   Client waived with compensating factors: XXXXXX month reserves where XX months is required, XXXX XXXXX where XXXX is minimum required, all credit paid as agreed since XXXXXX       08/05/2026 B 2 XXXXXXXXXX GA 3 13 C   B   A   A   N/A N/A C   B     Exempt 1
1701713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571375 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXX XXXXXXXXXX on file Information provided     07/21/2026     A 1 XXXXXXXXXX LA 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1701713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571376 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is a XXX mo XXXXX XXXXXXXXXX program. XXXX XXXX statement income calculation sheet is not in the file.       07/21/2026     A 1 XXXXXXXXXX LA 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1701713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571377 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXXXX is missing from the file       07/21/2026     A 1 XXXXXXXXXX LA 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1701713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571378 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXX appraisal is missing from the file.       07/21/2026     A 1 XXXXXXXXXX LA 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1701714 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571380 185 XXXXXXXXXX Credit Flood Certificate   Flood Certificate - Flood insurance is required - Flood policy missing   XXXXXXX provide the XXXXXXX XXXXXX XXXXXXXXXXX Information provided     07/22/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1701714 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571381 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   provide second XXXXXXXXXX report supporting the appraised value of XXXXXXXXXXX Received XXX     07/21/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1701714 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571382 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX credit report for XXXXXX XXXXXXX       07/21/2026     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1701715 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571383 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXX gift funds to be used for reserves.   Client waived with compensating factors: XXXX XXXXX where XXXX is required.  XXXXXXXXXX reserves after closing. XXXXXXXXX has XXXXXX rental history since XXXXXXXXXXXXX         08/11/2026 B 2 XXXXXXXXXX GA 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701715 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571384 399 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Gift Letter (fully executed)   XXXXX amount is not specified on the gift letter. Received completed gift letter     08/14/2026     A 1 XXXXXXXXXX GA 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701715 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571385 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXXX loan to proceed without borrower owning primary residence.  XXXXXXXXX rents primary residence.   Client waived with compensating factors: XXXX XXXXX where XXXX is required.  XXXXXXXXXX reserves after closing. XXXXXXXXX has XXXXXX rental history since XXXXXXXXXXXXX        08/11/2026 B 2 XXXXXXXXXX GA 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701716 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571386 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX credit report of XXXXXX XXXXX       07/28/2026     A 1 XXXXXXXXXX VT 1 1 C   B   A   A   A   A   C   B     Non-QM 1
1701716 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571387 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX XXXXXXXXXX XXXXXXX supporting value of XXXXXXXXXX shown on appraisal report. CDA provided     07/28/2026     B   2 XXXXXXXXXX VT 1 1 C   B   A   A   A   A   C   B     Non-QM 1
1701716 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571388 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXX properties on all loan programs require XXXXXXX XXXXXXXXXXX approval. XXXXXXXXXX approval from senior management allowing for subject to be rural in file   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves when only XXXXXXXX required, XXXXXXXXXX current mortgage payment history and XXXX fico score where the minimum required is XXX       07/28/2026 B 2 XXXXXXXXXX VT 1 1 C   B   A   A   A   A   C   B     Non-QM 1
1701718 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571392 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX secondary valuation as XXX score was not determined. CDA provided     07/22/2026     A 1 XXXXXXXXXX VA 2 13 D   A   D   A   A   A   C   A     Non-QM 1
1701718 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571393 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXXXX both XXXX verification of XXXXXXXXXXXXXXXXXXXXX tax preparer authentication and XXXX provide a credit report reflecting the borrower's business as required per guidelines for acceptable evidence of self-employment.       07/22/2026     A 1 XXXXXXXXXX VA 2 13 D   A   D   A   A   A   C   A     Non-QM 1
1701720 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571396 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   XXXX guidelines require a second full appraisal when the transcation is a flip transaction. XXXX seller has owned the property less than XXX months and the sales XXXXX has increased more than XXXXX therefore, the transaction is considered a flip transaction. XXXX file does not contain the required second full appraisal report as a XXXX was provided. XXXXXXX approved exception in file.   Over XXX months in reserves, XX months is required. XXXXXXX XXXXXX is XXXXX XXXX is required. XXXXXXXXX has over XX years of investor experience. XXXXXXXXX has XXXXX mortgage history, XXXXX is required.        07/23/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   A   N/A N/A C   B     Exempt 1
1701720 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571397 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX loan closed in an XXXXXX XXXX file is missing the following business entity documents. XXXXXXXXX of XXXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXXXXXXXXX XXXXXXXX and XXXXXXXXX of signing authority for the individuals signing on behalf of the entity. Received business documents     07/23/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   A   N/A N/A C   B     Exempt 1
1701721 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571398 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX does not permit family members to live in subject property. XXXXXXXXX in file to allow XX unit occupied by family member.   Client waived with compensating factors: XXXXXXXX XXXX when the max allowed is XXXXX XXXX XXXXX when the minimum requirement is XXXXXXX months reserve when the minimum requirement is XX months.        08/07/2026 B 2 XXXXXXXXXX IL 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701722 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571399 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXX valuation missing from the file. Received XXX     07/30/2026     A 1 XXXXXXXXXX PA 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1701723 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571400 357 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Cash Back Exceeds Limit   XXXXX out of XXXXXXXXXXXXXX exceeds the maximum allowable of XXXXXXXXXXXXXX per XXXXX unit guidelines. Client waived with compensating factors: XXXXXXXXXXXX investor-owns XX investment properties, several multi-unit; XXXX XXX mortgage and credit history; over XXXXXXX in reserves after closing.      07/16/2026     A 1 XXXXXXXXXX CT 3 13 C   B   C   A   N/A N/A C   B     Exempt 1
1701723 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571401 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXX appraisal was not provided by an XXXX approved appraiser.   Client waived with compensating factors: XXXXXXXXXXXX investor-owns XX investment properties, several multi-unit; XXXX XXX mortgage and credit history; over XXXXXXX in reserves after closing.        07/16/2026 B 2 XXXXXXXXXX CT 3 13 C   B   C   A   N/A N/A C   B     Exempt 1
1701724 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571402 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXX max XXXX to exceed XXXXXX XXXXXXXXXXX require XXXX max XXXX when income is from a fixed source.   Client waived with compensating factors: XXXXX scores of XXXXXXXX where XXXX is minimum required, XXXXXXXXXXXXX in reserves after closing, XXXXXXXXX in residual income where XXXXX is required.       07/21/2026 B 2 XXXXXXXXXX PA 1 1 D   B   C   B   A   A   D   A     Safe Harbor QM (APOR) 1
1701724 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571403 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXX is missing appraisal review. Received XXX     07/23/2026     A 1 XXXXXXXXXX PA 1 1 D   B   C   B   A   A   D   A     Safe Harbor QM (APOR) 1
1701725 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571404 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX provide XXXXXXX XXXXXXXXXX XXXXXXX in effect at the time of loan funding. Information provided     07/22/2026     A 1 XXXXXXXXXX OR 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701725 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571405 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXX borrower received XXXXXXXXXX in a gift of equity from the seller. XXXX guidelines require the individual providing the gift of equity to be a family member. XXXX gift letter in the file indicates the seller is a friend/business landlord, which does not meet the guideline requirements of a family member. XXXXXXX approved exception in file.   LTV is XXXXXXXXX allowed up to XXXXXX  XXXXXXX score XXXXX XXXX required. XXXXX XXX months of reserves, XX months required. XXXXXXXX in residual income, XXXXXXXX is required.        07/21/2026 B 2 XXXXXXXXXX OR 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701725 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571407 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXX guidelines requyire the borrower to be self-employed for at least XX years. XXXX borrower has only been self-employed since XXXXXXXXXXX or XX year and XX months. XXXXXXX approved exception in file.   LTV is XXXXXXXXX allowed up to XXXXXX  XXXXXXX score XXXXX XXXX required. XXXXX XXX months of reserves, XX months required. XXXXXXXX in residual income, XXXXXXXX is required.        07/21/2026 B 2 XXXXXXXXXX OR 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701725 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571408 321 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   XXXX guidelines require minimum of XX tradelines with at least XX active. XXXX borrower only has XX open tradeline and XX closed tradelines. XXXXXXX approved exception in file.   LTV is XXXXXXXXX allowed up to XXXXXX  XXXXXXX score XXXXX XXXX required. XXXXX XXX months of reserves, XX months required. XXXXXXXX in residual income, XXXXXXXX is required.        07/21/2026 B 2 XXXXXXXXXX OR 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571412 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a XXXXXXX XXXX must be done within XXX days prior to the XXXXX date. XXXXXXXXX is a XXXXX employee. Received XXXX     08/12/2026     A 1 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571413 1015 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - IRS Transcripts required   XXXXX XXXXXXXXXX Received XXXXX XXXXX & XXXXX transcript     08/12/2026     A 1 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571416 228 XXXXXXXXXX Credit UW Approval   UW Approval - Signed 4506C missing   XXXX in the file XXXX-C provided      08/13/2026     A 1 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701727 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571418 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXX XXXX > XXXX maximum XXXX when the property type is a XXXXXX per the XXXXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX has been self-employed at current job XXX years, XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXX and XXXX fico score where the minimum required is XXXXX       08/04/2026 B 2 XXXXXXXXXX NH 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701727 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571419 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXX needed for payment shock > XXX and < XXX as required per guidelines.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX has been self-employed at current job XXX years, XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXX and XXXX fico score where the minimum required is XXXXX       08/04/2026 B 2 XXXXXXXXXX NH 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701729 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571420 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXX XXXX XXXXXXXXXXXXXXX XXXXXXX report is missing. XXX must support the XXXXXXX initial appraisal or greater. Received XXX     07/27/2026     A 1 XXXXXXXXXX CA 1 1 D   B   C   B   A   A   D   A     Non-QM 1
1701729 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571421 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, a XXXXXXXXX needs XX tradelines with XX that are active with a XX year history. XXXXXXXXX lacks any trades.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX reserves are required. XXXXXXXXX has XXXXXXX months reserves. XXXXXXXXX XXXXXXXXX XXXXXXX is XXXXXXXXX XXXXX XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXXXXXX has been on their job XXXXX years. XXXXX job stability.       07/27/2026 B 2 XXXXXXXXXX CA 1 1 D   B   C   B   A   A   D   A     Non-QM 1
1701729 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571422 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXX mortgage is in forbearance. XXX per guidelines, it must have occurred XXXXX months ago. XXX documents in file to give the forbearance history.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX reserves are required. XXXXXXXXX has XXXXXXX months reserves. XXXXXXXXX XXXXXXXXX XXXXXXX is XXXXXXXXX XXXXX XXXXXXXXX XXXXXXX is XXXXXXXXXXXXX XXXXXXXXX has been on their job XXXXX years. XXXXX job stability.       07/27/2026 B 2 XXXXXXXXXX CA 1 1 D   B   C   B   A   A   D   A     Non-QM 1
1701731 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571431 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   XXXXX is missing an appraisal review or second appraisal. Review received.     07/30/2026     A 1 XXXXXXXXXX SC 3 1 C   A   A   A   N/A N/A C   A     Exempt 1
1701733 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571436 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, all gift funds must come from relatives. XXXXX funds are from friends.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXXX residual income of XXXXXXX is required. XXXXXXX is XXXXXXXXXXXXXXX XXX months reserves are required. XXXXXXXXXX have XXXXXXX months.  XXXXXXXX mortgage history of XXXXXXXXX       08/07/2026 B 2 XXXXXXXXXX WA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701733 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571437 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, all loans over XXXXXXXX requires XX appraisals. XXXXXXX is using one full and one desk review.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXXX residual income of XXXXXXX is required. XXXXXXX is XXXXXXXXXXXXXXX XXX months reserves are required. XXXXXXXXXX have XXXXXXX months.  XXXXXXXX mortgage history of XXXXXXXXX       08/07/2026 B 2 XXXXXXXXXX WA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701734 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571439 65 XXXXXXXXXX Compliance Right to Cancel   Right to Cancel - is missing.   XXX right to cancel in file Information provided     07/23/2026     A 1 XXXXXXXXXX NJ 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701734 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571440 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXXXX verbal XXXX for XXX obtained within XXX business days prior to the note date for employment income as required per guidelines. Received XXX day XXXX     07/27/2026     A 1 XXXXXXXXXX NJ 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701734 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571441 378 XXXXXXXXXX Credit UW Other   UW Other - UW - Initial/Final 1003 incomplete/missing   XXXXXXXX final XXXXX loan application. Received final XXXX     07/22/2026     A 1 XXXXXXXXXX NJ 1 13 D   A   D   A   C   A   A   A     Non-QM 1
1701739 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571446 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XX months reserves required for a XXXXX XX unit XXXXXX XXXXXXXXX in file to allow XX months reserve.   Client waived with compensating factors: XXXXX XXXX when the minimum requirement is XX months. XXXXXXXXXXXX XXXXXXXXXXX XXXXX XXXXXXX when the minimum requirement is XXXXXX       07/29/2026 B 2 XXXXXXXXXX NC 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701740 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571447 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XXXXXXXX secondary valuation as XXX score was not determined. Received XXX     07/23/2026     A 1 XXXXXXXXXX MO 2 1 C   A   A   A   A   A   C   A     Non-QM 1
1701741 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571450 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXX of XXXXXXXXXX does not include XXXXXXXX XXXXXXX Information provided     07/31/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701741 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571451 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX credit report for XXXXXX XXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX for XXXXXXXXXXX XXXXXXXXX XXX       07/30/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701741 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571452 319 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Seller Credit exceeds limit   XXXXXXXXXX exception required for XXXXXXX XXXXXXXXXXXX exceeding XXX (actual XXXXXXXX on a XXXXX XXXXXXXXX XXXXX involving a XXXXXXX transaction. XXXXXX XXXXXXXXXX and XXXXXX XXX do not show any real estate agents.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX cash down payment XXXX XXXXX XXXXXX XXXX XXX months reserves exceed the required XX months reserves XXXXXXXXXXX with score over XXXX and XXXXXX XXXXXX XXXXX is subject to all members signing a guaranty at closing       08/02/2026 B 2 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571455 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX XXXXXXXXXX is missing from borrower Information provided     07/30/2026     A 1 XXXXXXXXXX UT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571456 399 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Gift Letter (fully executed)   XXXXX letter for XXXXXXXXXX XXXXXXXXXXX prior to closing and XXXXXXXXXX at closing) Gift letters provided      07/30/2026     A 1 XXXXXXXXXX UT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571458 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   XXXXXX of assets of XXXXXXXXXXXXX as per XXXXX worksheet. XXXXXX XXXXXX XXXXXXXX XXXX statement is not in the file. Received XXX XXXXX statement = XXXXXXXXX     07/30/2026     A 1 XXXXXXXXXX UT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571460 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, gift funds are not allowed on XXXXXXXXXXXXXXX properties. XXXXX has XXXXXXX in gift funds.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves are required. XXXXX has XXXXXXX months reserves. XXXXXXXX XXXXX is XXXXXXX XXXXXX XXXXX is XXXXXXXX XXXXXXXXX history shows XXXXXXXX on a XXXXXXXX current mortgage with similar on other mortgages.       07/29/2026 B 2 XXXXXXXXXX UT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701743 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571861 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXX XXXXXX in file Information provided     07/31/2026     A 1 XXXXXXXXXX SC 3 13 B   A   B   A   N/A N/A A   A     Exempt 1
1701744 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571862 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX for XXX and XXX within XXX days of the note missing from the file. Received XXX day XXXXXX     08/10/2026     A 1 XXXXXXXXXX IN 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571863 861 XXXXXXXXXX Compliance Note   Note - Other:   XXXXXXX provide a corrected note signed only by XXXXXX and XXXXXXX XXXXXXXXX Information provided     07/27/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571864 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the XXXXXXX XXXXXXX for XXX XXXXXXX XXXXXXX       07/24/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571865 399 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Gift Letter (fully executed)   XXXXXXXX the fully executed gift letter for the deposit of XXXXXXXXX on XXXXXXXXXXXX XXXXXXXX was listed as "gift for down payment" however a gift letter was not provided in the loan file. Received XXXXX letter     07/28/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571866 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   XX XXX XXXXXX of < XXXXX and/or a XXXXX XXXXXXXXX was not provided in the loan file. Received XXX     07/28/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571867 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXX form for XXX indicates approval was granted to use contracts in lieu of a verbal verification for XXX self-employment, however final approval in file does not reference XXXXX XXXXX approval to use contracts in lieu of XXXXXXX XXXXXXX provide updated approval to reflect the exception.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline minimum is XXXXXXXX XXXXXXXXXXX XXXXX of XXXX and XXXXX borrowers are not XXXXXX       07/28/2026 B 2 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571868 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXX has been self employed for XX year and XXX months, where the guideline requirement on a XXXX statement program is two XXXXXX years.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline minimum is XXXXXXXX XXXXXXXXXXX XXXXX of XXXX and XXXXX borrowers are not XXXXXX       07/24/2026 B 2 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701745 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571869 351 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - DTI exceeds maximum limit   XXXX of XXXXXXXX exceeds the guideline maximum of XXXX when majority of the income used in qualification is from a fixed income source.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline minimum is XXXXXXXX XXXXXXXXXXX XXXXX of XXXX and XXXXX borrowers are not XXXXXX       07/24/2026 B 2 XXXXXXXXXX TX 1 1 D   B   D   B   C   A   C   A     Non-QM 1
1701746 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571870 869 XXXXXXXXXX Compliance Flood Certificate   Flood Certificate - Other:   XXXXXX XXXXXXXXXX is only an application and doesn't list XXXXXX of XXXXX Information provided     08/17/2026     A 1 XXXXXXXXXX MD 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701747 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571871 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXX XXXX XXXXXXXXXXXXXXX XXXXXXX is missing from the file. XXX must show a value of XXXXXXX or higher. CDA provided      07/27/2026     A 1 XXXXXXXXXX MT 3 1 D   A   A   A   N/A N/A D   A     Exempt 1
1701747 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571872 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXX per the XXXX in the file, the subject is going to be used exclusively for a XXXXXX XXXXX XXXXXXXXX XXX XXXX income docs were in the file to verify the monthly rent. Monthly market rents from appraisal used to qualify. XXXXXXXXXX as a XXXX term rental property.     07/27/2026     A 1 XXXXXXXXXX MT 3 1 D   A   A   A   N/A N/A D   A     Exempt 1
1701748 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571875 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXX provide the appraisal. Appraisal and XXXXXXXXXX review have been provided and are now in file.      07/27/2026     A 1 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701748 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571876 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing appraisal and appraisal review       07/27/2026     A 1 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701748 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571877 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX only contains a credit supplement, XXXXX full credit report.       07/27/2026     A 1 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701749 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571880 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXX provide the title policy. Information provided     07/28/2026     A 1 XXXXXXXXXX PA 3 13 D   A   D   A   N/A N/A D   A     Exempt 1
1701749 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571881 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXX XXXXXXXXXXX XXXXXXX is missing. CPL provided      07/28/2026     A 1 XXXXXXXXXX PA 3 13 D   A   D   A   N/A N/A D   A     Exempt 1
1701750 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571885 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XX XXXXXXX XXXX is to be done within XXX days prior to the XXXXX date. VVOE uploaded to loan images.      08/10/2026     A 1 XXXXXXXXXX CT 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701752 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571886 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XX final closing disclosure for the bridge loan was not provided.       08/10/2026     A 1 XXXXXXXXXX CA 2 1 A   A   A   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701755 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571889 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the final signed XXXXXXX XXXXXXXX XXXXXXXXXXXXX       07/23/2026     A 1 XXXXXXXXXX FL 1 1 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701756 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571891 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXX approved under the XXXXXX XXXXXX XXXXX XXXXXXXXXX program, which requires XX years of self-employment. XXXX borrower has only been self-employed for XXX months. XXXXXXX approved exception in file.   $X,XXX residual income, XXXXXXXX required. XXXX score, XXXX is required. XXXXX mortgage history, XXXXX required.        08/03/2026 B 2 XXXXXXXXXX NE 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701758 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571897 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXX entity cannot have more than one layer of ownership through other entities.                                     XXXXXXXXX XXXXXXX XX is owned by XXXXXXX XX XXXXXX layer) XXXXXXXXX has XX layers.   Client waived with compensating factors: XXXXXXXXXXXX investor. XXXX XXXXX where a minimum XXXX XXXXX required. XXXXXXXX XXXXX < XXX where XXXXX is XXXXXXXX        08/04/2026 B 2 XXXXXXXXXX FL 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701759 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571899 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXX signed and dated by borrower as required when qualifying with XXXX statements per guideline requirements. Received XXXX signed and dated by borrower     07/24/2026     A 1 XXXXXXXXXX NV 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701759 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571900 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   XXXXXXXX evidence of the payoff of the installment loan with a monthly payment of XXXXXXXX which was excluded from the borrowers' total debts and documentation of the source of funds used to payoff the account. Final XXX reflects payoff of XXXXXXXX XXXXXX XXXXXX     07/24/2026     A 1 XXXXXXXXXX NV 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701759 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571901 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXXXX within XXX days of the note missing from the file. Received XXX day XXXXX for XXXXX XXXXX job was originally within XXX days of closing.     07/24/2026     A 1 XXXXXXXXXX NV 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701760 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571904 454 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Seasoning Requirement Not Met   XX months seasoning  required.  XXXXX XXXX XXXXXXXXXX less than XX months is permitted with senior management approval. XXXXXXXXX purchase XXXXXXXXXX XXXXX XXXXX dated XXXXXXXXXXX   Client waived with compensating factors: XXXXXXXXXXXX investor. XXXX leases in file show both units are rented. XXXX XXXXX where a minimum XXXX XXXXX required for XXXX on a cash-out XXXXXXX        07/27/2026 B 2 XXXXXXXXXX AZ 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701761 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571906 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX arm's length transaction requires management approval.   Client waived with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXX value XXXXXXXXXX and purchase XXXXX XXXXXXXXXXXX XXXX for XXXXX provided shows positive income increase.        08/03/2026 B 2 XXXXXXXXXX WI 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701762 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571907 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXX provide the appraisal. Information provided     07/28/2026     A 1 XXXXXXXXXX ME 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701762 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571908 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX provide the hazard policy. Information provided     07/28/2026     A 1 XXXXXXXXXX ME 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571913 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXXXX provide the appraisal.       07/28/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571914 72 XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXX provide the XXXXXXXXXX XXXXXXXXXXX Information provided     07/28/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571915 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX provide the hazard policy. Information provided     07/28/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571916 666 XXXXXXXXXX Credit Sales Contract   Sales Contract - Compliance \ Sales Contract missing   XXXXXXX provide the sales contract. Information provided     07/28/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571917 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXX provide the title policy. Information provided     07/28/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571918 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX full appraisal and XXXXXXXXXX schedule.       07/27/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571919 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX XXXXXX documentation supporting amount needed for cash to close and reserves.       07/27/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571920 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX XXXXXXX XXXXXXX of XXXXXXX XXXXX       07/27/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571921 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXX XXXXXX XXXXXXXXXXX and XXXXXXXX XXXXXXXXXXX XXXXXX Received title and XXX     07/27/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571922 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX XXXX verification of XXXX number. Received the XXX     07/27/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701763 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571923 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX valid XXXXXXX declaration page showing premium and rent loss coverage amount. Received XXXX with rental coverage.     07/27/2026     A 1 XXXXXXXXXX NC 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701764 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571924 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX final XXX from XXXXXXX loan.       08/04/2026     A 1 XXXXXXXXXX UT 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701765 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571927 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX XXXXXXX to support appraised value of XXXXXXX XXXXXXXXX on all files, missing from file. Review provided.     07/31/2026     A 1 XXXXXXXXXX AL 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701765 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571928 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXX required on all files and closing XXXXXXXXXXX letter, both missing from file. CPL provided      07/31/2026     A 1 XXXXXXXXXX AL 3 1 D   A   D   A   N/A N/A C   A     Exempt 1
1701766 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571931 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing appraisal and appraisal review.       07/22/2026     A 1 XXXXXXXXXX MS 3 1 C   A   A   A   N/A N/A C   A     Exempt 1
1701767 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571932 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing credit report for XXXXX XXXXXXX XXXXXXX       08/06/2026     A 1 XXXXXXXXXX TX 3 1 A   A   A   A   N/A N/A A   A     Exempt 1
1701768 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571933 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXX file is missing a credit report for borrower XX - XXXXX XXXXXXX XXXXXXX TPS XXXXXX XXXXXXXXXXXXX  XXXXXXX report for XXX received.     08/06/2026     A 1 XXXXXXXXXX TX 3 1 A   A   A   A   N/A N/A A   A     Exempt 1
1701771 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571934 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX property is XXX acres which exceed the guideline maximum of XXX acres.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX post-closing reserves of XXXXXX months exceed the program minimum of XX months XXXX residual income of XXXXXXX exceeds the program minimum of XXXXXXXX XXXX XXXXX mortgage payment history.       08/12/2026 B 2 XXXXXXXXXX GA 1 13 C   B   C   B   A   A   A   A     Non-QM 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571935 824 XXXXXXXXXX Credit Title Policy   Title Policy - is missing.  Final ALTA title policy required.   XXXXXXXX XXXXXXX no title in file       07/28/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571936 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXX XXXXXXXXXX in file       07/28/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571937 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing the appraisal review.       07/27/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571938 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXX is missing the XXXXXXX XXXXXXX XXXXXXXXXXXX to calculate XXXXXX       07/28/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571939 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXXX for XXXX using XXXX income.   Client waived with compensating factors: XXXX XXXXX where XXXX is required, XXXXXXXXXXXX in reserves post closing, XXXXX greater than XXX       07/28/2026 B 2 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571940 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXX XXXX of XXXX due to stacked points.  XXXX XXXX is XXXX for XXXXX time investor.   Client waived with compensating factors: XXXX XXXXX where XXXX is required, XXXXXXXXXXXX in reserves post closing, XXXXX greater than XXX       07/28/2026 B 2 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701772 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571941 346 XXXXXXXXXX Credit UW Other   UW Other - UW - Complete Purchase Agreement   XXXXX is missing a complete purchase agreement. Received complete sales contract     07/29/2026     A 1 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701776 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571942 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXX XXXXXXX XXXXXXXXXX in file Information provided     07/30/2026     A 1 XXXXXXXXXX CO 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1701776 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571943 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXX XXXXXXXXXX in file Information provided     07/30/2026     A 1 XXXXXXXXXX CO 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1701777 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571945 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the maximum XXXX on cash out loan is XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXX on a current mortgage. XXXXXXXX history on other mortgages. XXXXXX months reserves are required. XXXXXXXXX has XXXX months. XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX on residual income.       08/10/2026 B 2 XXXXXXXXXX VA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1701777 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571947 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the appraisal needs to be re-certified for value as it is aged.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXX on a current mortgage. XXXXXXXX history on other mortgages. XXXXXX months reserves are required. XXXXXXXXX has XXXX months. XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX on residual income.       08/10/2026 B 2 XXXXXXXXXX VA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1701777 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571948 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, a minimum of XXX months short term rental proof is required. XXXXXXXXX has less than XXX months.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXX on a current mortgage. XXXXXXXX history on other mortgages. XXXXXX months reserves are required. XXXXXXXXX has XXXX months. XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX on residual income.       08/10/2026 B 2 XXXXXXXXXX VA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1701778 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571949 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX documentation to verify the borrower is a not a self-employed owner of the business they are employed by (last name is same as employer on paystubs and XXXXXXX Received XXX XXXX - XXXX name not listed     08/07/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701778 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571951 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXX time investor cannot be a XXXXX-time home buyer without senior management approval per XXXXXXXXX XXXXXXX guidelines. XXXX borrower owns land only property and does not have a history of owning and managing residential real estate for XX year in the last XX years. Mgmt approval for XXX     08/07/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701778 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571952 455 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Does not meet requirement for Financed Prop   XXXXXXXX property square footage of XXXX < XXXX minimum required for a non-warrantable condominium per guidelines.   Exception approval for XXX XXXXXXX XXXXX factors = reserves XXX months- min XX months, residual income XXXXXXXXX XXXXXX XXXXX min XXXXX XXX years employment       08/07/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701783 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571955 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXX funds are not allowed on an investment property transaction.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXX XXXXXXXXXXX where the guideline minimum is XXXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months.       08/11/2026 B 2 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842985 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XXXXXX on the XXXXX XXXXX increased from the XXXX final XXXXX  XXXX XXXXXXXXXX fee XXXXXXXXXXX XXXXXXXXX coverage XXXXXXXXXXXX XXXXXXXXXXXX fee's XXXXXXXXX for a total of XXXXXXXXX  XXXXXX cannot increase after closing.  XXXXXXX provide evidence of refund and lox to borrower Information provided   Reviewer 07/31/2026 02:23 PM; Correction*** XXXXXXXXXX fee increased by XXXXXXXX XXXXXXXXXX violation of XXXXXXXX  XXXXXX violation for the file is XXXXXXXX  XXXXXX was cured leaving a balance of XXXXXX to still be cured.  XXXXXXX provide proof of refund, XXXX to borrowre and a XXXXX reflecting total cure of XXXXXXXX  XXXX must be provided within XXX days of closing

 Reviewer 08/04/2026 11:26 AM; Received XXXXX and XXXXX however check for XXXXXX has not been provided.  XXXXXXX provide refund check for XXXXX

 08/06/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1701583 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571084 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXXXXXX updated title commitment to reflect a coverage amount greater than or equal to the loan amount. XXXXXXXXXXX provided reflected XXXXXXXXXXXXXX but loan amount is XXXXXXXXXXXXXXX Received title to match note of XXXXXXXXX   Reviewer 07/24/2026 06:05 PM; The title commitment provided does not reflect the insurance amount of XXXXXXXXX

 07/25/2026     A 1 XXXXXXXXXX TN 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701608 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571133 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX management approval XXXX of XXXX and XXXXX under XXXXX with XXX months of reserves.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XXX months required. Reviewer 07/07/2026 08:13 AM;

    07/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701630 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571184 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   XXXXXXXX XXX dated within XX days of XXXX dated XXXXXXXXXX and tracking showing revised XXX sent XXXXXXXXXXX     Client 08/06/2026 10:48 AM; Hi, please refer to the print date on the XXX uploaded to the file. XXXX date issued is incorrect, however this should be an XXXXXX grade, as the print date shows it was generated on XXXXXXXXXXXX XXXXXXXX

 Reviewer 08/06/2026 11:07 AM;

 Reviewer 08/06/2026 05:13 PM; Hello&#x0D;
XXXXX has been cleard.&#x0D;
&#x0D;
XXXXXX

 08/06/2026     A 1 XXXXXXXXXX CA 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1701633 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571190 957 XXXXXXXXXX Credit Closing Package   Closing Package - First Payment Letter Missing or Incorrect   XXXXXX XXXXXXXX XXXXXXX XXXXXX XXXXXXXX does not equal XXXXXXXXXXX XXXXXX XXXXXXXXX     Reviewer 07/07/2026 10:04 AM; no documentation provided

 Client 07/07/2026 10:50 AM; If XXXXXX grade, please waive. XXXXXXXX

 Reviewer 07/07/2026 11:41 AM; Hello&#x0D;
XXXXX has been waived.&#x0D;
&#x0D;
XXXXXX

 Reviewer 07/07/2026 01:24 PM; Credit reviewed

     07/07/2026 B 2 XXXXXXXXXX MD 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701640 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571207 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXXXX XXXXXXXXXX XXXXXXXX from file     Client 07/23/2026 12:16 PM; Appraisal has already been uploaded. XXXXXXXX

 Reviewer 07/23/2026 12:59 PM;

 Reviewer 07/23/2026 04:33 PM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 07/23/2026     A 1 XXXXXXXXXX IL 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701676 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571279 321 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   XXXXX management approval for one open tradeline on credit report.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. Reviewer 08/11/2026 08:51 AM;

    08/11/2026 B 2 XXXXXXXXXX HI 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701683 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571296 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXXXXXXX of XX months < XX months reserves required under the XXXXXX XXXXXX XXXXXXXXXXXXXXX XXXXXXXXXX XXXXXX to close were XXXXXXXXXXXXX and the required XXXXXXXXX subject property reserves of XXXXXXXXXXXXX totaling XXXXXXXXXXXXXXXX XXXXXX in the amount of XXXXXXXXXXXXXX were verified, leaving a shortage of XXXXXXXXXXXXXX Wire transfer of XXXXXXXXXXXXX from the XXXXXXXXXXXXX XXXXXXXX XXXXXX assets XXXXXXXXXXXXXX leaves XXXXXXXXXXXXX reserves XXXXXXXX months)    Reviewer 07/29/2026 08:42 PM; The XXX with XXXX XXXXXXXXX was redeemed and deposited on XXXXX XX to XXXXXXXXX XXXX ending balance is XXXXXXXXX on XXXXX XXXX + XXXXXXXXX in XXXXXXX XXXXXXXXXX XXXXX = XXXXXXXXX

 07/31/2026     A 1 XXXXXXXXXX NJ 1 1 D   A   D   A   A   A   C   A     Non-QM 1
1701694 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571319 1013 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income calculation worksheet required   XXXX loan was approved using XXX months of XXXX statements to qualify the income. XXXX file is missing the XXXX statement analysis worksheet. XXXX XXXXXXXXXX XXXXXXXXX XXXXXXXXXX was received.    Reviewer 07/22/2026 11:06 PM; Documents received and file returned to XXXXXXX XXX for review.

 07/23/2026     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701699 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571336 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX Information provided   Client 07/28/2026 05:02 PM; COC directly addresses this and references the invoice that caused this increase. XXXXXXXXX to file. XXXXXX you.

 Reviewer 07/28/2026 06:38 PM;

 Reviewer 07/29/2026 12:15 PM; COC provided is not acceptable. XXXXXXXXXX is not a valid reason for the increase.  XXXXXXX required

 Reviewer 07/29/2026 01:17 PM; Hello&#x0D;
XXXX provided is not acceptable. XXXXXXXXXX is not a valid reason for the increase. XXXXXXX required&#x0D;
thanks

 Client 07/29/2026 02:00 PM; To be specific, the XXXX reads XXXXXXXXXX in broker XXX fee, per updated invoice provided XXXXXXX XXXXXXX provide guidelines regarding what XXXXXXX considers to be a "valid reason" for an increase of a fee. XXXXXX you.

 Reviewer 07/29/2026 02:04 PM;

 Reviewer 07/30/2026 01:40 PM; Hello,&#x0D;
XX valid reason would be XXXXX caused the increase or addition of a fee or why it was needed.  XXXXXXXXXX doesn't give a reason, just that it increased.  &#x0D;
XXXXXX you

 Reviewer 07/31/2026 01:04 PM; No documentation provided

 Client 07/31/2026 04:59 PM; PCCD uploaded XXXXXXX XXXXXX you.

 Reviewer 08/03/2026 04:12 AM;

 Reviewer 08/03/2026 12:26 PM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 08/03/2026     A 1 XXXXXXXXXX FL 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1701777 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571946 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the maximum cash out is XXXXXXXXX XXXXX proceeds exceeds that amount.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXX on a current mortgage. XXXXXXXX history on other mortgages. XXXXXX months reserves are required. XXXXXXXXX has XXXX months. XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX on residual income.       08/10/2026 B 2 XXXXXXXXXX VA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1701780 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571954 334 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Employment - Inconsistent/Misrepresent   XXX per XXXXXXXXX guidelines, there are to be XXX consecutive XXXX statements for the XXXXX XXXXXXXXXX program. XXXXXXXX XXXXXXX statement. XXXXX XXXXXXX to be re-run and income updated. Statement dated XXXXXXX XXXX shows the XXXXX transactions.   Client 08/11/2026 06:44 PM; Please see uploaded statement. XXXXXXXXXX dated XXXXXXX XXXX shows the XXXXX transactions. XXXXXX you.

 Reviewer 08/12/2026 05:27 AM; Condition has been reviewed

08/12/2026     A 1 XXXXXXXXXX UT 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1688933 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568906 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   XXXXXXXX submitted as XXX XXXXX XXXX XXXXXXXXXXXX XXXXXX being paid on final closing disclosure are not listed on credit report and no mortgage history was provided. XXXXXXXX satisfactory XXX month mortgage history with pay off information. Per loan details of loan approval in file, no mtg history required for both of the mortgages.   Client 02/23/2026 11:22 AM; Per loan details of loan approval in file, no mtg history required for both of the mortgages. XXXXXX you.

 Reviewer 02/23/2026 03:01 PM; Condition has been reviewed

02/23/2026     A 1 XXXXXXXXXX ID 2 3 C   B   C   B   C   A   A   A     Safe Harbor QM (APOR) 1
1701582 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571073 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   XXXXXX income was used to qualify the loan. XXXX guidelines require the documentation of at least XX year and XXXX bonus income. XXXX file contains the XXXX bonus from the paystub; however, the previous year was not documented.     Reviewer 07/30/2026 10:37 AM;

 Reviewer 07/30/2026 10:38 AM; Did not receive income/bonus documentation.

07/30/2026     A 1 XXXXXXXXXX NJ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701589 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571093 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXXXXX XXXXXXX provided does not include annual premium amount     Client 07/09/2026 12:29 PM; Binder includes premium amount in top section, states XXXXXXX premium paid in full. XXXXXXXX

 Reviewer 07/09/2026 12:50 PM;

 Reviewer 07/09/2026 01:31 PM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 07/09/2026     A 1 XXXXXXXXXX NY 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1701742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571459 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   XXX the insurance policy is missing from the file and has already been requested by XXXXXXXXXXXX need to ensure the policy covers XXXX months rental loss. Loss of use XXXXXXXXXXXX   Reviewer 07/30/2026 11:43 AM; The XXXX reflects loss of use. XXXXXXXX rent loss coverage for XX months = XXXXXXXX

 Client 07/30/2026 01:00 PM; Loss of use is the same as rent loss. XXXXXXX escalate if needed. XXXXXXXX

 Reviewer 07/30/2026 01:31 PM; Condition has been reviewed

07/30/2026     A 1 XXXXXXXXXX UT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701749 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571883 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXXXX XXXXXXXXXXXXXXX XXXXXXX is not in the file. CDA provided    Reviewer 07/27/2026 07:15 PM; Appraisal must be the same or greater value than XXXXXXXXXX

 Client 07/28/2026 12:22 PM; Unclear what this finding is for. XXXXXXXXXX review is in file and matches the appraised value of XXXXXXXXX XXXXXXX clear or clarify. XXXXXX you.

 Reviewer 07/28/2026 01:56 PM; Condition has been reviewed

07/28/2026     A 1 XXXXXXXXXX PA 3 13 D   A   D   A   N/A N/A D   A     Exempt 1
1690274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9032853 861 XXXXXXXXXX Credit Note   Note - Other:   XXXXXXX provide updated note that reflects both borrowers. XXXX lender's approval there are XX borrowers. XXXXXX XXXXXXXX name is missing from the note.     Reviewer 03/24/2026 08:36 AM; escalated for review

 03/24/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1690274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9032856 72 XXXXXXXXXX Credit Closing Package   Closing Package -    XXXXXXX denial letter - need updated approval reflecting only XX borrower Information provided   Reviewer 03/25/2026 09:26 AM; Escalated for review

 Reviewer 03/25/2026 11:47 AM; rec'vd updated approval, however comments on the approval still reference both borrowers and both XXXXXXXXX  XXXXXXX provide updated loan approval

 03/25/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1699977 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12815758 839 XXXXXXXXXX Compliance Disclosure   Disclosure - RESPA- need evidence of disclosure of Housing Counseling Organizations within 3 days of application   XXXXXXXX evidence XXXXX XXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXX was delivered to the borrower within XX days of application date of XXXXXXXXXX     Reviewer 07/29/2026 09:09 AM; No documentation provided

 Reviewer 07/31/2026 01:17 PM; No documentation provided

 Reviewer 08/05/2026 10:12 AM; Per XXXXX XXXX was delivered to borrower XXXXXX  XXX was required within XX days of application.  XXXXXXXXXXX tracking does not reflect it was disclosed.  XXXXX is XXXX XXXXX XXXXXXXXX

 Client 08/05/2026 11:20 AM; Please escalate. XXXXX solution was discussed between our legal team and XXXXXXXXX XXXXXX you.

 Reviewer 08/05/2026 11:22 AM;

 Reviewer 08/05/2026 03:09 PM; Hello&#x0D;
XXXXX has been cleared and will grade as a XXXXX
&#x0D;
XXXXXX

   08/05/2026   B 2 XXXXXXXXXX FL 1 13 C   B   C   A   C   B   A   A     Non-QM 1
1701599 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571119 260 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Report Incomplete   XXXXXXXX condominium data on the appraisal for the subject phase and XXXXXXXXXX project information. SR XXXXX approval to proceed without appraisal update.   Client 08/05/2026 03:57 PM; Please provide additional clarity regarding this finding. XXXXXXXXXX appears to be complete, unclear what this finding is referring to. XXXXXX you.

 Reviewer 08/06/2026 07:23 AM; Project XXXXXXXXXXXX XXXXXXXX on pg. XX of the appraisal report does not reflect the total # of units sold, rented and in the project phase. XXXXXXXXXX list the number as "unknown".

08/06/2026     A 1 XXXXXXXXXX MD 1 1 C   A   A   A   A   A   C   A     Non-QM 1
1701609 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13803894 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXX policy dec shows XX separate locations covered under one policy. XXXXXXXXX XXX XXXXXXXX XXXX only covers XX dwelling and there are XX individual homes on the property with renters. XXXXXXXX both dwellings are covered under policy.     Client 07/10/2026 10:45 AM; With regard to the insurance, the policy does list XXXXXXXXXX XXX for XXX XXXXXXXX XXXX with XXXXXXX coverage and separately on a different page as XXXXXXXXXX XXX for XXX XXXXXXXX XXXX at XXXXXXX coverage.   XXXXX units are on the same lot/same property, per XXXXXXX website data – see uploaded docs.

 Reviewer 07/10/2026 11:50 AM; Credit reviewed and cleared

 07/10/2026     A 1 XXXXXXXXXX TN 3 13 C   B   C   B   N/A N/A C   B     Exempt 1
1701643 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571211 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXXXXXX XXXX identification number for XXXXXXXXX XXXXXX Received XXX   Reviewer 07/07/2026 08:29 PM; The federal XXXX number was not received.

 07/09/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1701670 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571262 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   XXXXXXXX XXXX XXXXXXX liability insurance XXXXXXX XXXX  XXXXXXX XXXXX be signed & dated by XXXXXX with correct XXXXXXXXXX XXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXX XXXXXXXX XXXXX XXXXXXXXX  XXXXXXXXXX XXXXXXXXX to be acceptable to XXXXXXXX Not a guideline requirement for the master policy   Reviewer 07/29/2026 02:28 PM; Received XXXXXXX XXXXXXX but it did not include the mortgagee clause

 Client 07/29/2026 03:11 PM; Not a guideline requirement for the master policy. XXXXXX you.

 Reviewer 07/29/2026 03:45 PM; Condition has been reviewed

07/29/2026     A 1 XXXXXXXXXX NC 3 1 D   A   C   A   N/A N/A D   A     Exempt 1
1701694 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571317 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXX file is short funds to close and reserves due to the file is missing the updated XXXXXX XXXXXXXX statements. XXXX approval and application reflects statement date of XXXXXXXXXXX with a balance of XXXXXXXXXXXXXXX however, the most recent statement in the file is dated XXXXXXXXXXX with a balance of XXXXXXXXXXXXX Received additional assets XXXXXXXXX   Reviewer 07/22/2026 11:06 PM; Documents received and file returned to XXXXXXX XXX for review.

 Reviewer 07/23/2026 07:33 AM; Received additional XXXX statements through XXXXXXXXXXX for XXXXXX XXXXXXXX with the balance of XXXXXXXXXXXXXXX XXXXXX need updated statement or printout through XXXXXXXXXXX with a balance of XXXXXXXXXXXXXX as indicated on the approval/application. XXXXX is still short closing and reserves.

07/23/2026     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701698 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571331 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXX XXXXXX of XXXXXXXXXX in file     Client 07/22/2026 05:33 PM; Hazard uploaded to file. XXXXXX you.

 Reviewer 07/22/2026 06:23 PM;

 Reviewer 07/23/2026 11:23 AM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 07/23/2026     A 1 XXXXXXXXXX CO 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701699 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571337 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information provided     08/03/2026     A 1 XXXXXXXXXX FL 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1701704 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571348 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XX months reserves are required. XXXXXXXXX has less than XX months reserves. This is a XXXXX XXXXXX we only need the information of the subject property and borrower's primary. XXX showed XXXXXXXXXXXXX to borrower XXXXXXXXX located at XXXX XXXXX XXX is an investment property.     Reviewer 08/13/2026 09:53 PM; Received XXX for XXXX XXXXX XXX with loan amount of XXXXXXXXXXXX XXXX borrower listed on this XXX is XXXX XXXXXXXXX XXXXXXXXX  XXXXXXXX the XXXXX &amp; XXXXX with the debt figures for this property.

 Client 08/14/2026 01:15 PM; This is a XXXXX XXXXXX we only need the information of the subject property and borrower's primary. XXXXXX you.

 Reviewer 08/14/2026 02:17 PM; Condition has been reviewed

08/14/2026     A 1 XXXXXXXXXX TN 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1701708 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571368 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX management approval no multifamily investment experience and XX months of reserves.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum required is XXXXXXXX XXXX fico score where the minimum required is XXXXX Reviewer 08/10/2026 12:21 PM;

    08/10/2026 B 2 XXXXXXXXXX MA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701713 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571374 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXX XXXXXX of XXXXXXXXXX for location     Reviewer 07/22/2026 11:33 AM; Hazard insurance for subject property has not been provided

 Client 07/23/2026 10:45 AM; HOI has already been provided. XXXXXXXX

 Reviewer 07/23/2026 11:38 AM;

 Reviewer 07/23/2026 11:43 AM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 07/23/2026     A 1 XXXXXXXXXX LA 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1701718 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571391 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXX insurance policy has an effective date of XXXXXXXXXX XXXXXXXXX loan funded on XXXXXXXXXXXX XXXXXXX provide proof that hazard insurance was effective at the time of loan funding. Information provided   Reviewer 07/22/2026 12:11 PM; No documentation provided

 Reviewer 07/31/2026 03:46 PM; No documentation provided

 08/03/2026     A 1 XXXXXXXXXX VA 2 13 D   A   D   A   A   A   C   A     Non-QM 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571411 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines, the maximum payment shock is XXXXX XXXXXXXXX does not have any current rental/mortgage history. XXXXXXXXXXX approval is required for an exception. XXX management approval for an exception found in the file nor manager noted.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months and XXXX of XXXXXXXX where the guideline is XXX Client 08/11/2026 04:57 PM; This approval is already reflected on the loan approval in file. XXXXXX you.

 Reviewer 08/12/2026 06:47 PM; Condition has been reviewed

    08/12/2026 B 2 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571414 384 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employment status required   XXXX file is missing a fully signed XXXXX XXXXXXXXX XXXXXXXXXXXXXXXX XXX XXXX in file. SEQ was provided however XXXX is not required per guides for full doc loans.    Reviewer 08/12/2026 11:48 AM; The XXXX provided did not have completed sections for XXXXXXXXXX &amp; XXXXXX XXXXXXXXXX XXXXX of XXXXXX XXXXX XXXXXXXXX - XXXXXXXXX XXXXXXXXX &amp; XXXXXXXXXX XXXXXXXXX

 08/18/2026     A 1 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701732 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571434 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXXXXXXXXX does not meet XXXXXXXXX XX credit guidelines. XXXXXXXXX XX XXXXXXXX allows XXXXXXXXXX XXXX XXXXXXXXX has XXXXX and XXXXX in the last XXX months. Received XXXXXXXXXXX approval for cash out.   Reviewer 07/24/2026 07:52 AM; Note: XXXXXXXXX XX allows for XXXXXXXXX however, grade XX does not allow cash out.

07/26/2026     A 1 XXXXXXXXXX WA 1 13 C   A   C   A   A   A   A   A     Non-QM 1
1701742 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571457 431 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing   XXXX XXXXXXXXXX in gift funds need to be verified with XXXX statements. Gift letters provided    Client 07/30/2026 10:18 AM; Not required to source donor funds. XXX XXXX as we have a copy of the gift letter and wire confirmation this came from the appropriate account, we are fine. XXXXXX you.

 Reviewer 07/30/2026 11:36 AM; Please provide the gift letters

 Reviewer 07/30/2026 11:36 AM; Not required to source donor funds. XXX XXXX as we have a copy of the gift letter and wire confirmation this came from the appropriate account. XXXXX letters requested

07/30/2026     A 1 XXXXXXXXXX UT 3 1 D   B   D   B   N/A N/A A   A     Exempt 1
1701748 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571878 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX shock is over XXXXX   Exception approved. score = XXXXX minimum XXXXX XXXX XXXX XXXXXX stacked, XXXXXXXXX XXXXXXXXXX XXXX month- min XXX months. Reviewer 08/01/2026 10:07 PM; Provide loan approval for payment shock

     08/04/2026 B 2 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701759 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571898 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXXXXXXX self-employment history not verified for the borrowers second job listed on the final XXXXXX Borrowers XXXX in file regarding XXXX XXXXX XXXXXXXXXXX reflects the borrower is a self-employed licensed XXXXXXX since XXXXXXXXXXXXX XXX had previously owned the barbershop and later sold the business while continuing to operate as a self-employed barber at the same location.   Client 07/24/2026 04:42 PM; Borrowers XXXX in file regarding XXXX XXXXX XXXXXXXXXXX reflects the borrower is a self-employed&#x0D;
licensed XXXXXXX since XXXXXXXXXXXXX XXX had previously owned the barbershop and later sold the&#x0D;
business while continuing to operate as a self-employed barber at the same location. XXXXXX you. &#x0D;


 Reviewer 07/24/2026 06:49 PM; Condition has been reviewed

07/24/2026     A 1 XXXXXXXXXX NV 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1701762 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571909 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   XXXXXXXX the following documentation XXXX XXXXXXXXXX report with XXXXX XXXXXX XXXX XXXXXXX policy, XXXX XXXXX XXXXXXXXXXXXX XXXXXXXXX and XXXX XXXXXXX XXXXXXXXXXXXXXXXX with the XXXXX XXXXXXX XXXXXX XXXXXXXX showing all mortgages associated with the properties listed.       07/27/2026     A 1 XXXXXXXXXX ME 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1700049 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12842983 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXX per XXXXXXXXX guidelines, a XXXXXXX XXXX must be done within XXX days prior to the note date to verify the business is still active. XXXXX in file was based on a tax extension from XXXXXXXXX  XXXXXXXXX XXX XXXX search   Reviewer 07/16/2026 07:40 PM; The XXXXX provided states the source was tax transcripts. XXXX transcripts were dated XXXXXXXXX and the note date is XXXXXXXXX which is more than XXX days

 07/19/2026     A 1 XXXXXXXXXX MT 1 1 D   B   D   A   C   B   A   A     Safe Harbor QM (APOR) 1
1701592 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571099 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   XXXXXXX provide documentation for percent of ownership for XXXXXXX XXXXX XXXXXXXX XXXXXXXX and loan, XXXXXX   Exception approval received/ comp factors - over XXXX million reserves, residual income XXXXXXXXX Reviewer 07/22/2026 02:31 PM; The XXXXXXXXXX XXXXXXXXXX provided reflects borrower is XXXX owner of XXXXXXX XXXXXXX XXXXXX XXXXXXXXX guidelines reflect XXXXX an owner-occupied loan, the entity must be XXXXX owned by the borrower(s)."

     07/24/2026 B 2 XXXXXXXXXX CA 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701623 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571162 352 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Not Eligible for escrow waiver   XXXX is the minimum XXXXX required for an escrow waiver and the qualifying XXXXX is XXXXXX  XX signed and dated XXXXXXX XXXXXXX was not provided in the file. XXXX XXXXXXXX XXXXXXXXXXX and XXXXXX XXXXXXXX XXXXXXX reflect XXXXXXXXXXXXXXXX were waived for the property taxes and insurance.   Client waived with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXX months reserves when XX months is minimum required; XXXXXXXX mortgage history when XXXXXXXX is the minimum ; XXXXXX XXXXX when XXXXXX is the minimum. Reviewer 07/28/2026 11:45 AM; Please provide exception approval for escrow waiver with fico of XXXX XXXXXXXX

 Reviewer 07/30/2026 07:46 PM; Documents received did not include the exception approval for escrow waiver with fico of XXX

     07/31/2026 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701706 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571357 433 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Short funds to close   XXXXX is short funds to close of XXXXXXXXXXXXX and reserves of XXXXXXXXXXXXX XXXXXX to close are XXXXXXXXXXXXXX and this includes required reserves of XXXXXXXXXXXXXX XXXXXX has calculated maximum allowable funds to close as XXXXXXXXXXXXXXXX XXXXX leaves a shortage of XXXXXXXXXXXXXXX XXXXXXXX account statement for the borrower's stock account with a balance of XXXXXXXXXXXXX Sr XXXXXXXXXXX allowed using XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXX as evidence of assets owned by the borrower. XXXXXXXXXXXXXXXX stocks owned and reflected on page XX of the XXXXXXX    Reviewer 08/03/2026 11:56 AM; The XXXX XXXXXX statement balance XXXXXXXXXXXXXXXX (used XXXXXX was not provided. XXXXXXX provide

08/04/2026     A 1 XXXXXXXXXX TX 1 1 D   B   D   B   A   A   A   A     Safe Harbor QM (APOR) 1
1688969 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 8568620 353 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LA/CLA exceeds Max. Limit   XXXXXXXXXXX for the XXXXX loan program reflect the maximum loan amount is XXXXXXXXXXXXXXXX when using XXXXXX XXXXX XXXXXXX XXXXXXXXX XXXX subject loan amount is XXXXXXXXXXXXXXXXX   Exception approval received - XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXX of XXXX and XXXXX XXXXXXX depth of XXX years; XXXXXXXXX have owned primary residence for XXXXX years; XXXXXXXXX been with same employer XXXX years. Client 02/26/2026 12:57 PM; Loan approval in file with loan amount reflects XXXX approval and XXXXXXX level approval by multiple members of senior management. XXXXXX you.

 Reviewer 02/26/2026 02:33 PM; Loan approval in file is not XXXX level signed and loan amount exceptions require formal exception. XXXXXXXX updated loan approval reflecting exception.

 Reviewer 02/26/2026 02:33 PM; Loan approval in file is not XXXX level signed and loan amount exceptions require formal exception. XXXXXXXX updated loan approval reflecting exception.

    02/26/2026 B 2 XXXXXXXXXX NV 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1699977 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12815757 392 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Debt Clarification   XXXXXXXX documentation to support the omission of the timeshare liability in the amount of XXXXXXXXXX monthly XXXXXXXXXXX XXXXXXXXXXXXXXX XXXXXXXXXX the liability would result in a XXXX of XXXXXXXXXX Loan approval received to accept XXX   Client 07/07/2026 11:00 AM; we are excluding the XXXXX share expense as the monthly fee is paid by a credit card which is paid by the business and therefore is included in the XXXXXXXX XXXXXXX used on this loan. XXXXXX you.

 Reviewer 07/07/2026 01:30 PM; Received XXXXXX XXXX XXXXXX XXXXXX account that is making timeshare payments is borrower's account. XXXXXXXX documentation to support XXXX that business is making these payments.

 Reviewer 07/07/2026 01:30 PM; credit review and condition added

07/28/2026     A 1 XXXXXXXXXX FL 1 13 C   B   C   A   C   B   A   A     Non-QM 1
1701582 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571072 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XXXX guidelines require a verbal verification of employment within XXX days of the note date. XXXX file is missing the XXXXXX VVOE dated XXXXXXXXXX   Reviewer 07/30/2026 10:37 AM;

 Reviewer 07/30/2026 10:38 AM; Did not receive XXXXX document.

07/30/2026     A 1 XXXXXXXXXX NJ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701603 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571126 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX XXXXXXXXXXX approval ownership less than XX months seasoning.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required. Reviewer 07/30/2026 02:20 PM;

    07/30/2026 B 2 XXXXXXXXXX IN 3 3 C   B   C   B   N/A N/A A   A     Exempt 1
1701628 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571169 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXXXXX for the XXXXX loan program require senior management approval when the subject property is in a XXXXXXXXXX area.  XXXXXXXX property is located in a XXXXXXXXXX area. Received XXX XXXXX approval   Reviewer 07/30/2026 07:48 PM; Documents received did not include XXX XXXXX approval of XXXXX with declining value

 08/01/2026     A 1 XXXXXXXXXX FL 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1701636 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571198 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   XXXXXXXX documentation to support exclusion of the XXXXX revolving account (balance XXXXXXXXX payment XXXXXXXXX XXXXXXXXXX of the liability increases the XXXX to XXXXXXXXX exceeding the approved exception limit of XXXXXXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXX months. Client 07/09/2026 04:31 PM; Loan is still within guidelines with increase. XXXXXX you.

 Reviewer 07/10/2026 10:36 AM; Provide approval with XXXX of XXXXXXX

 Reviewer 07/10/2026 10:37 AM; Credit reviewed and condition updated

     07/10/2026 B 2 XXXXXXXXXX MI 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701647 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571218 418 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client Condo Warranty Requirements   XXXXX management approval of XXX condotel project. Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXXX and XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX   Reviewer 07/09/2026 11:46 AM;

07/09/2026     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1701658 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571238 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee and increase in XXXXXXXXX XXXXXX on the XXXXX XXXXX  XXXX XXXX for this date does not give a valid explanation for these fee increases.  XXXX the XXXXXXXXX XXXXXXX although the loan amount changed, it went down, therefore XXXXXXXXX XXXXXX should not have increased.  XXXXXX violation amount is XXXXXXXXXXXX  XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXX Information provided   Client 07/31/2026 12:46 PM; We are seeing a decrease not an increase regarding the transfer taxes.&#x0D;
&#x0D;
XXXX XXXXXXXXX taxes XXXXXXXXX
XXXXXXXX XXX XXXXXXXXX XXXXXXXXX taxes XXXXXXXXXXXX
XXXXXX XXXX XXXXXXXXX taxes XXXXXXXXXXXX


 Reviewer 07/31/2026 12:50 PM;

 Reviewer 07/31/2026 02:36 PM; No documentation provided

 Reviewer 08/03/2026 11:49 AM; Loan is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee and increase in XXXXXXXXX XXXXXXXXXXXXX on the XXXXX XXXXX XXXX XXXX for this date does not give a valid explanation for these fee increases. XXXX the XXXXXXXXX XXXXXXX although the loan amount changed, it went down, therefore XXXXXXXXX XXXXXX should not have increased. XXXXXX violation amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of pa

 Reviewer 08/03/2026 11:50 AM; Hello&#x0D;
XXXX XXX also disclosed XXXXXXXXXXX in stamps which is part of the transfer taxes.  XXXXXXXX is valid.&#x0D;
&#x0D;
XXXXXX

 08/06/2026     A 1 XXXXXXXXXX FL 2 3 C   A   A   A   C   A   A   A     Non-QM 1
1701675 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571278 262 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW -  Appraisal Report Missing   XXXXX is missing appraisal review. Second valuation provided    Client 07/30/2026 09:30 AM; All items have already been uploaded. XXXXXXXX

 Reviewer 07/30/2026 11:37 AM; Condition has been reviewed

07/30/2026     A 1 XXXXXXXXXX OR 3 1 D   A   A   A   N/A N/A D   A     Exempt 1
1701694 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571318 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXX loan was approved under the XXX month XXXX statement program. XXXX file contains statements for XXXXXXXX through XXXXXXXXXX XXXX file is missing XX additional months of XXXX statements. Two additional months of XXXX statements were received.   Reviewer 07/22/2026 11:06 PM; Documents received and file returned to XXXXXXX XXX for review.

 07/23/2026     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1701701 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571344 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   XXXXXXX provide the hazard policy. Information provided   Reviewer 07/22/2026 12:09 PM; HOI provided is missing premium.  XXXXXXX provide premium

 07/23/2026     A 1 XXXXXXXXXX TN 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571410 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXX per XXXXXXXXX guidelines XX borrower needs XX tradelines with XX active with a XX year history. XXXXXXXXX does not have any active tradelines. XXX manager approval found nor noted in the file for this exception.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months and XXXX of XXXXXXXX where the guideline is XXX Client 08/11/2026 04:58 PM; This approval is already reflected on the loan approval in file. XXXXXX you.

 Reviewer 08/12/2026 06:47 PM; Condition has been reviewed

    08/12/2026 B 2 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701737 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571444 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX management approval required for XXXX with no current housing payment history.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required and XXXXX of XXXXXXX where the minimum required is XXXXX  Reviewer 07/21/2026 10:51 AM;

    07/21/2026 B 2 XXXXXXXXXX TN 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701741 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571453 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXX borrowing entity is comprised of five members which exceed the guidelines of four members   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX cash down payment XXXX XXXXX XXXXXX XXXX XXX months reserves exceed the required XX months reserves XXXXXXXXXXX with score over XXXX and XXXXXX XXXXXX XXXXX is subject to all members signing a guaranty at closing Reviewer 07/30/2026 05:40 PM;

    07/30/2026 B 2 XXXXXXXXXX AL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701749 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571882 340 XXXXXXXXXX Credit UW Other   UW Other - UW - Insurance Missing (MI or Project)   XXXXX loss insurance is missing. XXXXXXXX XX months loss.  XXXXX includes rental loss in the XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX as standard coverage.    Client 07/30/2026 02:03 PM; Per processor cert provided, XXXXX includes rental loss in thie XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX as standard coverage. XXXXXXX escalate if needed. XXXXXXXX

 Reviewer 07/30/2026 03:19 PM; Condition has been reviewed

07/30/2026     A 1 XXXXXXXXXX PA 3 13 D   A   D   A   N/A N/A D   A     Exempt 1
1701760 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571905 270 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   XXXXX review missing from file. Received XXX     07/27/2026     A 1 XXXXXXXXXX AZ 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701764 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571925 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXX shock above XXXXXX requires XXXXX XXXXXXXXXXX approval.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required  and XXXX fico score where the minimum required is XXXXXX  Reviewer 08/04/2026 11:26 AM;

    08/04/2026 B 2 XXXXXXXXXX UT 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1690274 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9032857 398 XXXXXXXXXX Credit UW Credit   UW Credit - UW -  Correct/Corrected Credit Report   XXXXXXXX individual credit report for the borrower The loan application was individual and XXXX score used was the borrower's    Client 03/25/2026 12:06 PM; This was not required to clear similar previous findings. XXXXXX you.

 Reviewer 03/25/2026 02:28 PM; Condition has been reviewed

03/25/2026     A 1 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701699 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571335 1018 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employed verify business   XXXXXXXX evidence borrower is sole owner of business utilized for XXXX statement income. LLC filing in file confirms borrower is sole managing member of the XXX   Client 07/28/2026 04:52 PM; LLC filing in file confirms borrower is sole managing member of the XXXXXX XXXXXX you.

 Reviewer 07/28/2026 06:50 PM; Condition has been reviewed

07/28/2026     A 1 XXXXXXXXXX FL 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1701717 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571389 455 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - Does not meet requirement for Financed Prop   XXX be eligible for a cash-out refinance, the subject property must be taken off the market on or before application date. XXXX borrower must also confirm in writing the reason for the prior listing and intent to occupy the subject property. XXXXXXXXX listed for sale XXX days on appraisal. XXXXXXXXX XXXXX XXXXXXXXXXXX   Client waived with compensating factors: XXXXXXXXX XXXX where a max XXXX XXXX allowed. XXXX XXXXX where a minimum XXXX XXXXX required. XXXXXXXXXXXXX residual income where a minimum XXXXXXXX required.  Reviewer 07/22/2026 12:54 PM; Mgt approval home listed for sale, using the lower appraised value to qualify. XXXX in file cash-out used to purchase and build new home.

    07/22/2026 B 2 XXXXXXXXXX VA 1 13 C   B   C   B   A   A   A   A     Non-QM 1
1701725 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571406 1024 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Gift Receipt   XXXX file is missing the wire confirmation for the XXXXXXXXX gift from the borrower's grandmother to the closing agent. Received gift wire   Reviewer 07/21/2026 10:25 PM; Document provided did not include the wire or receipt of XXXXXXXXX gift from XXXXX XXXXX

 07/27/2026     A 1 XXXXXXXXXX OR 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701730 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571429 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXXXXX property is a XXXXXXX mixed use property that requires management approval.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXX months reserves exceed required minimum of XX months XXXX XXXX down payment XXXX XXXXX XXXXXXXX  Reviewer 08/09/2026 07:00 PM; Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXX months reserves exceed required minimum of XX months XXXX XXXX down payment XXXX XXXXX XXXXXXX

     08/09/2026 B 2 XXXXXXXXXX PA 3 1 C   B   A   A   N/A N/A C   B     Exempt 1
1699791 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 12779019 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXXXXXXXXX for the XXXXX XXXXXXXXXX loan program require verification the borrower has been self-employed for a minimum of XX years. XXX evidence of self-employment was provided. Received XXXXXX XXXX XXXXXXXXX showing XXXXXXXXXXXX XXXXX XXXXXXXX   Reviewer 06/30/2026 03:44 AM; Received google search for borrower's XXX but it did not verify XX years of XXXX

 Client 08/03/2026 05:32 PM; uploaded printout from the XXXXXXXXX XXXXXXXXX XXX verification from XXXXXXXXXXXXXXXXX – this shows he has had a registration with XXXX since XXXXXXX XXXXXX giving sufficient evidence borrower has been in this line of work XXXX years.

 Reviewer 08/03/2026 06:18 PM; Condition has been reviewed

08/03/2026     A 1 XXXXXXXXXX MA 1 13 D   A   D   A   A   A   A   A     Non-QM 1
1701587 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571091 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXX management approval missing XX units photos.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, Reviewer 07/28/2026 12:31 PM;

    07/28/2026 B 2 XXXXXXXXXX KY 3 13 C   B   A   A   N/A N/A C   B     Exempt 1
1701608 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571134 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   XXXXXXXX credit fraud report. CoreLogic report provided    Client 07/07/2026 12:50 PM; Fraud report alerts addressed with documentation in file. XXXXXXX clarify which alerts still need addressed. XXXXXX you.

 Reviewer 07/07/2026 01:44 PM; credit reviewed

 Client 07/07/2026 01:53 PM; As previously stated. XXXXXX report alerts addressed with documentation in file, in this case the XXXX schedule, the appraisal review, etc. XXX do not provide comments on fraud report alerts, we provide documentation, very often the exact documentation recommended on the fraud report alert. XXXXXX you.

 Reviewer 07/08/2026 07:39 AM; Condition has been reviewed

07/08/2026     A 1 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701635 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571194 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   XXXXX management approval XX months of reserves.   Waived with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX score where the minimum required is XXXX and XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXX  Reviewer 08/07/2026 08:58 AM;

    08/07/2026 B 2 XXXXXXXXXX MN 2 13 C   B   C   B   A   A   A   A     Non-QM 1
1701684 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571300 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXX management approval XXXXX less than XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XXX months required and XXXX fico score where the minimum required is XXX Reviewer 07/17/2026 01:59 PM;

    07/17/2026 B 2 XXXXXXXXXX MI 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1701711 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571372 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   XX verbal XXXXXXXXXXXXX of XXXXXXXXXXX was not provided. Received XXX day XXXX     07/27/2026     A 1 XXXXXXXXXX FL 1 1 D   A   D   A   A   A   A   A     Non-QM 1
1691044 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 9308931 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXXXX XXXXXXXXXXX approved verification of smoke/co detectors from realtor.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXX Reviewer 03/09/2026 07:19 AM;

    03/09/2026 B 2 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A C   B     Exempt 1
1701753 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571887 447 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - 2yr Employment history not verified   XXXXX management approval less than XX yrs XXXXX   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required. XXXX XXXXXXXXX XXXXXXX XXXXXXXXXXXX where the guideline minimum is XXXXXXXX and XXXX of XXXXXXXXX where the guideline maximum is XXXXX Reviewer 07/31/2026 01:59 PM;

    07/31/2026 B 2 XXXXXXXXXX SC 1 13 D   B   D   B   A   A   A   A     Non-QM 1
1701755 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571890 326 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Evidence Satisfaction of Debt   XXXXXXXX documentation to support the exclusion of the XXXXXXXXX XXXXXXX XXXXXX installment liability with an outstanding balance of XXXXXXXXX and a monthly payment of XXXXXXXXXXXX XXXXXXXXXX this liability results in a debt-to-income XXXXXXXX ratio exceeding XXXXXX There was a last-minute change on which XXXXXXXXX acct was being paid off through the bridge loan, unfortunately the incorrect information was carried through on the XXXXXXXXX loan. XXX have updated the debts and included a copy of the signed XXX from the bridge showing the payoff to the smaller XXXXXXXXX acct. XXXX is under XXX   Client 07/24/2026 03:43 PM; There was a last-minute change on which XXXXXXXXX acct was being paid off through the bridge loan,  unfortunately the incorrect information was carried through on the XXXXXXXXX loan. XXX have updated the debts and included a copy of the signed XXX from the bridge showing the payoff to the smaller XXXXXXXXX acct.  XXXX is under XXXXXX XXXXXX you.

 Reviewer 07/24/2026 06:45 PM; Condition has been reviewed

07/24/2026     A 1 XXXXXXXXXX FL 1 1 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1701762 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571910 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXXXX are XX stacked points which gives a final XXXX XXXX which exceeds the maximum XXXX XXXX for a XXXXX XXXXXXXXX with a loan amount over XXXX million and less than XXXXXXX million.     Reviewer 07/27/2026 12:46 PM; Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX post-closing reserves of XXXXXXXXXXXXXX exceed required XX months XXXX XXXX cash downpayment XXXX on time mortgage histories of XXXXXXXXX

     07/27/2026 B 2 XXXXXXXXXX ME 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1701766 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571930 29 XXXXXXXXXX Valuation Appraisal   Appraisal - is missing   XXX XXXXXXXXXX on file     Client 07/23/2026 10:45 AM; Hi, this has already been provided. XXXXXXXX

 Reviewer 07/23/2026 11:38 AM;

 Reviewer 07/23/2026 11:38 AM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 07/23/2026     A 1 XXXXXXXXXX MS 3 1 C   A   A   A   N/A N/A C   A     Exempt 1
1701778 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571950 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXX XXXX > XXXX maximum XXXX permitted under the XXXXXXXXX XXXXXXX XXXXXXXXXXXXXX XXXXXXXX for property type non-warrantable condominium.   Exception approval for XXX condo XXXXXXX XXXXX factors = reserves XXX months- min XX months, residual income XXXXXXXXX XXXXXX XXXXX min XXXXX XXX years employment Reviewer 08/07/2026 10:39 AM; The approval did not include the exception for non-warrantable XXXXXXXXX

     08/07/2026 B 2 XXXXXXXXXX FL 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701663 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571249 418 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client Condo Warranty Requirements   XXXXXXXX XXXXXX XXXXXXXXX approval Identified on loan approval as warrantable. XXXXXX are XXXXX owner occupied    Client 07/30/2026 09:48 AM; Identified on loan approval as warrantable. XXXXXXXX

 Reviewer 07/30/2026 11:37 AM; Condition has been reviewed

07/30/2026     A 1 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1701726 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571415 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XX signed XXXXXXXXXXX XXXXX to verify employment. Borrower is self-employed, verified with online search.   Client 08/13/2026 01:52 PM; Borrower is self employed, verified with online search. XXXXXX you.

 Reviewer 08/13/2026 02:14 PM; Condition has been rweviewed

08/13/2026     A 1 XXXXXXXXXX OH 1 1 D   B   D   B   A   A   A   A     Non-QM 1
1701777 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571944 445 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Other income documentation missing/incomplete   XXXX XXX used XXXXXX XXXXX XXXXXXX XXXXXXX of XXXXXXXXX gross rental income. XXXXXXXXXXXXXX to support this amount is inadequate as it is from the XXXXXXXXX and not from a source such as XXXXXXX or similar. XXXXX third party proof of the XXXX income.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX  XXXXXXXX on a current mortgage. XXXXXXXX history on other mortgages. XXXXXX months reserves are required. XXXXXXXXX has XXXX months. XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX on residual income. Client 08/10/2026 01:24 PM; Loan approval in file reflects mgmt approval to use XXXX month average of XXXX received from XXXXX and XXXXX XXXXXXX XXXXXX you.

 Reviewer 08/11/2026 03:43 PM; Condition has been reviewed

    08/11/2026 B 2 XXXXXXXXXX VA 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1701582 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571074 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   XXXX file is missing the title commitment and closing protection letter. Received XXXX and title   Reviewer 07/30/2026 10:37 AM; The title commitment was provided; however, still missing the closing protection letter. XXXX guidelines require a copy of the XXXX to be included in the file.

07/30/2026     A 1 XXXXXXXXXX NJ 3 13 D   A   D   A   N/A N/A A   A     Exempt 1
1701592 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571097 65 XXXXXXXXXX Compliance Right to Cancel   Right to Cancel - is missing.   XXXXXX to XXXXXXX not in file Information provided   Reviewer 07/23/2026 01:34 PM; missing page X

 Reviewer 07/24/2026 03:09 PM; RTC reflects XX pages - still missing page X

 07/28/2026     A 1 XXXXXXXXXX CA 1 13 D   B   D   B   C   A   A   A     Non-QM 1
1701597 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571114 350 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW - LTV/CLTV does not meet parameters   XXXXX XXXXXXXXXXX approval for XXXX XXXX which is XXX over program maximum   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX XXXX of XXXXXXXX where the maximum allowed is XXX Reviewer 06/05/2026 03:26 PM;

    06/05/2026 B 2 XXXXXXXXXX FL 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1701611 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571140 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   XXXXXXXX amount missing from XXXXXXXXXX verification     Client 07/17/2026 01:40 PM; Processor XXXXX in file confirms premium amount. XXXXXX you.

 Reviewer 07/17/2026 02:20 PM;

 Reviewer 07/20/2026 12:54 PM; Hello&#x0D;
XXXXX has been cleared.&#x0D;
&#x0D;
XXXXXX

 07/20/2026     A 1 XXXXXXXXXX ME 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1701637 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571203 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   XXX management approval required for units under XXXX sq ft.   Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXX fico score where the minimum required is XXXXX Reviewer 08/07/2026 02:18 PM;

    08/07/2026 B 2 XXXXXXXXXX MA 3 13 C   B   A   A   N/A N/A C   B     Exempt 1
1701650 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571223 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   XXXXXXXX history for XXX months required.   Client waived with compensating factors: XXXXX than XXX months reserves. XXXXXXXXXX value XXXXXXXXXX and purchase XXXXX XXXXXXXXXX on new construction. XXXXXX mtg's listed on XXXXXXX reports paid with no lates and paid off early.  Client 07/07/2026 04:13 PM; Exception for housing history already on approval.

 Reviewer 07/07/2026 05:47 PM; credit reviewed and cleared

     07/07/2026 B 2 XXXXXXXXXX CA 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1701680 XXXXXXXXXXXXXX XXXXXXXXXXXXXX 13571289 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   XXXXXXX to be used for down payment, closing costs, debt pay off and reserves should be sourced and seasoned for  XXX days. XXXXXXXX proof of seasoning for XXXXXX XXXXXXXXX acct XXXXXXX and XXX acct XXXXXXXXX Account XXXXXXX was the source of gift funds. XXXXXXXX XXXXXXX was a new account opened for a life insurance check for XXXXXXXXXXXXXX XXXXXXXXXX date XXXXXXXXXX can't get another statement since the insurance check was used to open the account.   Client 07/23/2026 11:07 AM; #XXXX was the source of gift funds. XXXXXXX was a new account opened for a life insurance check for XXXXXXXXXXXXXX XXXXX date XXXXXXXXXX can't get another stmt since the insurance check was used to open the account. XXXXXX you.

 Reviewer 07/23/2026 11:49 AM; Condition has been reviewed

07/23/2026     A 1 XXXXXXXXXX TN 1 1 C   B   C   B   C   A   A   A     Non-QM 1