EXHIBIT 99.7
CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Agree, Loan Originator NMLS ID is XXX | 01/29/2026 | Lender agrees with audit’s findings. ; Lender agrees with audit’s findings.; Lender agrees with audit’s findings. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit XXX – XXX vs Lender — MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 04/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 04/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCOM3075 | Credit | Missing XXX or ID | Missing XXX or ID. Provide completed and executed XXX or photo identification document from both borrowers to meet guideline requirement | XXX’s License | 04/08/2026 | Lender provided XXX’s licenses for borrower XXX and borrower XXX Condition cleared. ; XXX or ID provided.; Material | 04/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide mortgage statements/obligations for XXX & XXX does not exceed XXX | Please see property profiles attached; Please see attached | 04/08/2026 | Lender provided a property profile showing free and clear. Condition cleared. ; Audit reviewed the lender’s response. Please provide a property profile showing free and clear. Fraud report in the file shows an XXX. Condition retained. | 04/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCOM1692 | Compliance | XXX § XX/XX/XXXX — XXX was not provided (Disclosure Page v2) | XXX § XX/XX/XXXX — XXX was not provided. | Please see attached. The XXX does not apply to spouses. She is not a co-signor, she is a borrower. ; There is no cosigner on this loan. It is XXX (XXX) & XXX who are both on the Note & Mortgage therefore this is an invalid request | 01/30/2026 | Upon further review, the Co-signor Notice Disclosure does not apply to spouses. She is not a co-signor, she is a borrower. Condition cleared. ; S. Code § XX/XX/XXXX — Cosigner Notice Disclosure was provided.; Under S. Code § XX/XX/XXXX, the Cosigner Notice Disclosure must be provided before or contemporaneously with the cosigner signing any separate agreement of obligation or any writing that sets forth the terms of the debtor’s agreement. The statute states that a natural person (other than a spouse) “is not obligated as a cosigner unless before or contemporaneously with signing the person receives a separate written notice” containing the required disclosures. Condition retained. | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing | No affiliates | 01/22/2026 | Required Affiliated XXX Disclosure Documentation Provided; Lender provided a signed attestation of no Affiliates. Condition cleared. ; Material | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is missing. | Third Party Fraud Report is provided; Material; Missing Third Party Fraud Report Fraud Report is missing. | 02/19/2026 | Qualifying DTI below max allowed. | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided ; HMDA review completed, no Level XXX findings noted, condition cleared. | 02/11/2026 | Qualifying DTI below max allowed. | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing completion certificate | Please see attached | 05/18/2026 | Lender provided the appraisal update and/or completion report. Condition cleared. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Primary Value Subject Property Appraisal is not on an As-Is Basis Missing completion certificate | 05/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 02/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Bank statements for XXX account XXX with balance of XXX is not in file. | XXX statement was used which had sufficient funds. XXX withdrawal XX/XX/XXXX. Funds required were $XXX. | 02/24/2026 | Appears the XXX Bank account XXX with balance of XXX were not used. Lender provided the XXX statements used to qualify. The State of XXX Deferred Compensation Plan ending XXX: XXX + XXX: XXX + XXX: XXX = $XXX. Condition cleared. ; Provide XXX mos recent XXX bank statement for account ending in XXX to support funds in the amount of XXX and validate DU AUS findings. Any deposit that exceeds XXX will need to be sourced and a LOX. Source documents provided for the large deposits however, the account where the funds were deposited were not documented to support what is reflected on the final AUS and final application. | 04/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 02/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided | 02/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report | Third Party Fraud Report is provided; Material | 02/25/2026 | Borrower has stable job time | Qualifying DTI below max allowed. | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Material | 02/23/2026 | Borrower has stable job time | Qualifying DTI below max allowed. | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/13/2026 | Rescinded | FCRE1188 | Credit | Audited CLTV Exceeds AUS CLTV | Audited CLTV of XXX% exceeds AUS CLTV of XXX% Guideline DTI is XXX% | Not required. Rescinded.; Audited CLTV of XXX% is less than or equal to AUS CLTV of XXX%; | 03/23/2026 | D | A | A | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation provided is not within tolerance, CDA required. | 03/23/2026 | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/12/2026 | Resolved | FCOM1229 | Credit | XX/XX/XXXX Family Rider is Missing | XX/XX/XXXX Family Rider is Missing. | uploaded under DOT finding | 02/25/2026 | The XX/XX/XXXX Family Rider is Present; XXX family rider provided. Condition cleared. | 03/05/2026 | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/12/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | DOT w. Rider; Duplicate finding | 02/25/2026 | The Deed of Trust is Present; Evidence provided; The Deed of Trust is Present | 02/26/2026 | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/26/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete (Condition added XX/XX/XXXX). Lender provided the DOT and XX/XX/XXXX. Please provide the signed XXX. | The Deed of Trust is Present and Complete | 02/26/2026 | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/12/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. | Note | 02/25/2026 | Note provided. ; The Note is Present. | 02/26/2026 | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 02/25/2026 | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided | 02/25/2026 | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Note is not in file. | XXX; Again, there are XXX pages in the uploaded package. I downloaded the package from your site to confirm. Please re-review and look at the documents under the last index called “Final Docs”; Invalid — provided in original submission — starts on page XXX of the original file upload | 03/13/2026 | Lender provided a signed copy of the Note. Condition cleared.; Provide the executed Note due to the attached document does not mee the condition.; Client stated, “Invalid — provided in original submission — starts on page XXX of the original file upload” Original submission total pages XXX. | 03/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Deed of Trust per monthrtgage is not in file. | XXX; Again, there are XXX pages in the uploaded package. I downloaded the package from your site to confirm. Please re-review and look at the documents under the last index called “Final Docs”; Invalid — provided in original submission — starts on page XXX of the original file upload | 03/13/2026 | Lender provided the signed Deed of Trust. Condition cleared.; Provide the executed Deed of Trust due to the attached document does not mee the condition.; Client stated, “Invalid — provided in original submission — starts on page XXX of the original file upload” Original submission total pages XXX Countered. | 03/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCOM1232 | Credit | The Final XXX is Missing | The Final XXX is Missing Final XXX is not in file. | XXX; Again, there are XXX pages in the uploaded package. I downloaded the package from your site to confirm. Please re-review and look at the documents under the last index called “Final Docs”; Invalid — provided in original submission — starts on page XXX of the original file upload | 03/13/2026 | Lender provided the Final XXX Condition cleared.; Provide the executed Final XXX for the borrower(s) due to the attached document does not mee the condition.; Client stated, “Invalid — provided in original submission — starts on page XXX of the original file upload” Original submission total pages XXX Countered. | 03/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCOM1229 | Credit | XX/XX/XXXX Family Rider is Missing | XX/XX/XXXX Family Rider is Missing. | How unprofessional ; Again, there are XXX pages in the uploaded package. I downloaded the package from your site to confirm. Please re-review and look at the documents under the last index called “Final Docs”; Invalid — provided in original submission — starts on page XXX of the original file upload | 03/13/2026 | Lender provided the signed XX/XX/XXXX . I apologize for the confusion. Condition cleared.; Provide the executed XX/XX/XXXX due to the attached document does not mee the condition.; Client stated, “Invalid — provided in original submission — starts on page XXX of the original file upload” Original submission total pages XXX Countered. | 03/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 03/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided | 02/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 02/26/2026 | XXX is Greater than the Guideline Minimum | Borrower has stable job time | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided | 02/26/2026 | XXX is Greater than the Guideline Minimum | Borrower has stable job time | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 02/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance. | 03/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 02/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 02/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report A fraud report is required. | Third Party Fraud Report is provided | 02/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE3653 | Credit | Missing letter of explanation | The file does not contain a sign letter of explanation from the borrower addressing whether or not the following properties have hoa dues: XXX and XXX. | XXX has no HOA; REO | 04/09/2026 | Lender provided evidence the property located at XXX is a XXX, therefore no HOA. Condition cleared. ; Lender provided evidence of no HOA for XXX and XXX . Please provide evidence of HOA or no HOA for XXX. Condition retained. | 04/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 03/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The third-party fraud report is currently missing. | Third Party Fraud Report is provided | 03/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% (Condition added XX/XX/XXXX) Lender provided the HOA for the REO’s along with a revised AUS showing a DTI of XXX% hich exceeds the data tape DTI of XXX% by more than XXX% | Please review the updated docs. | 04/27/2026 | Investor acknowledges exception, final grade will be a B.; The revised AUS showing a DTI of XXX% exceeds the data tape DTI of XXX% by more than XXX% Condition retained. ; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 04/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | B | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade(Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade(Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade(S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade(Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade(S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 04/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Lender to provide a letter of explanation from borrower addressing whether or not the following properties have hoa dues: XXX , XXX , XXX, XXX and XXX. | HOA | 03/26/2026 | Lender provided the HOA for the REO’s along with a revised AUS showing a DTI of XXX%.(Please see the condition added for the DTI which exceeds the data tape DTI of XXX% by more than XXX%.). Condition cleared. | 03/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Acknowledged | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | PCI provided, with no damages noted. Investor acknowledges exception. ; Attestation | 04/28/2026 | ; Lender provided an Attestation. Please provide a signed attestation from the insurance company of no claims made during this period. Condition retained. | 04/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CCA provided within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CA to order. | 03/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 03/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 02/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 02/25/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Receipt | 03/19/2026 | Evidence of appraisal delivery provided.; Material | 03/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 02/23/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report Missing in File | Third Party Fraud Report is provided | 03/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | Notes payable in less than XXX year XXX in XXX and XXX in XXX were not included. Provide documentation to support omitting from income calculations | The agencies require lenders to determine if this is a recurring item.. f it is it can be disregarded. We believe it is recurring because it was reported at the end of XXX and again at the end of XXX In that case, we excluded it. | 03/24/2026 | Upon further review, the debt was reported at the end of XXX and again at the end of XXX In that case, it is considered recurring. Condition cleared. ; Please provide an LOE from the CPA that these notes were classified as short-term obligations scheduled to be paid in full within twelve months, with no refinancing requirement or balloon exposure. As such, they were excluded from ongoing liability calculations and debt XXX analysis. Condition retained. | 04/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide evidence that no new open tradelines resulted from credit inquiries on XX/XX/XXXX from XXX and on XX/XX/XXXX from XXX | LOE | 03/18/2026 | Lender provided an LOE of no new accounts opened between the application and closing dates. Condition cleared. | 03/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Third Party Fraud Report is provided | 03/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Auditor and lender qualified DTI exceeds guideline limit however we updated same DTI in XXX. | BAML Approved Exception. Condition downgraded to B. | 04/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Time share Fee tradeline missing in credit repot, required supporting doc to verify time share Fee. | Time Share | 04/21/2026 | Lender provided the monthly statement for XXX showing monthly fee of $XXX. Condition cleared. | 04/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM1229 | Credit | XX/XX/XXXX Family Rider is Missing | XX/XX/XXXX Family Rider is Missing. | SI, RIders | | 04/17/2026 | Lender provided a corrected mortgage, PUD and XX/XX/XXXX family rider, all signed XX/XX/XXXX. This is being executed to correct the original mortgage dated . XXX and recorded on .XXX, XXX in XXX. The original recorded mortgage was missing the XX/XX/XXXX Family Rider. The previous tax stamps were paid. Condition cleared. | 04/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1082 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% REO Properties Net Rental Income not matching with Lender Value. The final XXX reflects XXX being converted to an XXX property, resulting in a net rental loss of –$XXX. | This is a XXX. The subject property is listed on Schedule E with XXX fair rental days. Why are you applying a vacancy factor? ; Document Uploaded. See updated XXX that aligns to the AUS. ; I asked the underwriting team to take a look, here is their response: | The investor is separating (pulling out) XXX PITIA expense, ($XXX), as a liability and incorrectly listing it separately. | | Since it is a non subject property, the net rental income is calculated as an “aggregate” total of all non subject properties losses and income. If the total is positive, it is net rental income. This income was then added to the subject property net rental income totaling XXX | | The URLA is a manual input completed by the client he condition, XXX, was added for the client to update the data so the XXX match the AUS. Our underwriting approval ofrecord is the AUS, not the URLA. The condition was satisfied by audit at purchase. It should not have been satisfied unless the URLA was updated and uploaded into the loan file. The client should be contacted to update if it does not match our AUS of record if the investor requires this. | | The DTI and assessment of XXX PITIA is correct. See LPA XXX There is no update to be performed. | ; I asked the underwriting team to take a look and here is their response: Income worksheet #XXX includes the loss for XXX in the “aggregate” net rental income for non subject properties owned. The “aggregate” amount resulted in a positive total net rental income of $XXX. This matches the final AUS. You can see XXX included in the detailed XXX tab of the income tool. | 06/04/2026 | Upon further review, schedule E shows XXX a month. The vacancy factor should not be applied. Condition cleared. ; Audit calculations are as follows. Primary : $XXX ther Liabilities: XXX Total Liabilities: $XXX. Net Rental Income Other: XXX (XXX. Net Rental Income Subject: XXX ($XXX x XXX% or $XXX-$XXX). Borrower Income:$XXX, Total Income: $XXX TI XXX%. Please provide a revised AUS showing XXX%. Condition retained. ; Audited DTI of XXX% exceeds AUS DTI of XXX%; Audit reviewed the lender’s response. For XXX PITIA. Per the Lease in file, monthly rent is XXX with a vacancy factor of XXX% equals XXX rental income minus the PITIA of XXX leaves a net rental loss of ($XXX). Net rental income for all REO’s is $XXX. Please note the file contains a XXX showing a DTI of XXX%. Please provide the revised AUS. Condition retained.; Audit reviewed the lenders response. Our calculations are as follows: Primary: XXX Other Liabilities: $XXX. Total Liabilities $XXX. Net Rental Income Subject: XXX (XXX @ XXX% — XXX). Net Rental Income REO: XXX (XXX) Borrower Income:$XXX. Total Income: $XXX. DTI XXX%. Please note the file contains a XXX showing a DTI of XXX%. Please provide the revised AUS. Condition retained. | 06/05/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1082 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1082 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud report | Third Party Fraud Report is provided | 03/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/26/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of monthly payment of taxes and insurance for XXX property. | Property shows last mortgage was a XXX (history #XXX pg XXX) XX/XX/XXXX. That mortgage was released (history#XXX pg XXX) on XX/XX/XXXX making it free & clear. XXX then transferred the property into a trust (History #XXX pg XXX) on XX/XX/XXXX. Free & clear since XXX; Owned free & clear. HOA & HOI not required (see LOE attached). Taxes in file. See attachment | 03/13/2026 | Upon further review, the property profile shows mortgage was released. Borrower then transferred the property into a trust on XX/XX/XXXX. Condition cleared. ; HOA & HOI not required (see LOE attached). Taxes in file. Missing evidence the property is owned free & clear. Property detail provided shows a mortgage. Condition retained. | 03/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Unable to locate evidence of an AVM | Third party valuation product provided within tolerance. | 03/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | XXX has no affiliates.; XXX has no affiliates. | 04/03/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 04/06/2026 | XXX is Greater than the Guideline Minimum | Borrower has stable job time | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/18/2026 | XXX is Greater than the Guideline Minimum | Borrower has stable job time | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The co-borrower’s income documents are missing. Please provide the pay stubs, W-XXX forms, and a written verification of employment (WVOE) | XXX #; AUS is using XXX to verify XXX income. See attachment; AUS is using XXX to verify XXX income. See attachment | 04/02/2026 | Lender provided a XXX and WVOE. Condition cleared.; Provide B2’s TheWorkNumber [XXX] dated XX/XX/XXXX to validate LPA R&W Relief due to XXX is not indicated as a supporting document. | 04/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing The appraisal report identifies the subject property as being located within a PUD, and the final XXX reflects HOA dues collected. However, the executed Deed of Trust does not include the required PUD Rider. Please provide the fully executed PUD Rider or confirm and document that the property is not located within a PUD | PUD Rider, AUS | 04/20/2026 | Lender provided the corrected Deed of Trust sent for recording, along with the signed PUD rider and revised AUS. Condition cleared. | 04/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Rescinded | FCRE1316 | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE performed within XXX days of XXX | VOE | 03/13/2026 | Received LES for B1; condition rescinded. | 03/16/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Rescinded | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Not required | Not required — Rescind.; HO-XXX Master Insurance Policy is fully present; | 04/29/2026 | D | A | A | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Primary Value Subject Property Appraisal shows the subject is SUBJECT TO. Please provide the XXX showing the subject to has been completed or other evidence that meets XXX requirements. | Please review the uploaded Foundation inspection and please note that the inspection is dated on the fist page XX/XX/XXXX. Thank you ; Subject to inspection Inspection was done on XX/XX/XXXX saying the Foundation is fine. See attachment. | 04/23/2026 | Lender provided the dated inspection. Condition cleared. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Finding remains active as the foundation report received has no date of inspection listed. ; Audit reviewed the lender’s response. A 1004D (or equivalent Appraisal Update/Completion Report) is required. The original appraiser is the one who established the condition of value Only the appraiser can certify that the property now meets the requirements and supports the appraised value. Condition retained. | 04/24/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/19/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is missing and is required. Please provide. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 03/16/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing hazard and flood insurance documentation for the XXX at XXX. The audit defaulted to the lender’s qualifying total monthly insurance of XXX based on the AUS. | Please see attached; XXX | 04/21/2026 | Lender provided the PITIA for XXX . P&I XXX Taxes XXX HOI XXX Flood XXX no HOA for a total of XXX compared to AUS of $XXX. New DTI of XXX%. Condition cleared. ; Lender provided the PITIA for XXX . P&I XXX Taxes XXX HOI XXX Flood XXX no HOA for a total of $XXX. The AUS has the primary housing expense of $XXX. Please provide an LOE or a revised AUS. Condition retained. | 04/22/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/18/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 03/09/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the XXX, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX in a disaster area (Texas Severe Storms, Straight-line Winds, and Flooding on XX/XX/XXXX, with a release date of XX/XX/XXXX. The file was closed with an Appraisal Waiver. A Post Disaster inspection is required. | Property Inspection Provided. | 03/09/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA declared XXX in a disaster area (Texas Severe Storms, Straight-line Winds, and Flooding on XX/XX/XXXX, with a release date of XX/XX/XXXX. The file was closed with an Appraisal Waiver. A Post Disaster inspection is required. Loan is a PIW. | FEMA Post Disaster Inspection report was provided. | 03/09/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | B | B | B | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/17/2026 | Qualifying DTI below max allowed. | XXX is Greater than the Guideline Minimum | Borrower has stable job time | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 03/16/2026 | Qualifying DTI below max allowed. | XXX is Greater than the Guideline Minimum | Borrower has stable job time | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 03/06/2026 | Qualifying DTI below max allowed. | XXX is Greater than the Guideline Minimum | Borrower has stable job time | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing PUD Rider is Missing | SI & Riders | 05/20/2026 | The PUD Rider is Present or is Not Applicable (XXX is PUD).; Lender provided the signed PUD rider. Condition cleared. ; PUD Rider is Missing AVM received within tolerance. Condition cleared. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Downgraded as approved per lenders data tape, NON material B grade. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM1234 | Credit | The Final XXX is Not Executed | The Final XXX is Not Executed Final XXX borrower signature was missing | XXX | 04/14/2026 | Lender provided the signed Final XXX Condition cleared. | 04/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Third Party Fraud Report is provided | 03/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 8 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; AVM received within tolerance. Condition cleared. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report Missing in this file. | Third Party Fraud Report is provided | 03/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Property Address XXX, XXX there is no VOM. The only information is on the final XXX of this address. It is not reflected on the CR. | Please see attached; The loan for this property was denied per LOE attached. | 04/07/2026 | Lender provided a revised AUS, XXX & XXX Condition cleared.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Please provide a revised AUS excluding this debt. Condition retained. | 04/08/2026 | Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | For XXX Missing PITI and HOA documentation. | AUS, XXX & XXX updated; The loan for this property was denied per LOE attached. | 04/08/2026 | Lender provided a revised AUS, XXX & XXX Condition cleared. ; Lender provided a revised AUS, XXX & XXX Condition cleared. ; ; Please provide a revised AUS excluding this debt. Condition retained. | 04/08/2026 | Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/18/2026 | Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Investor overlays maximum DTI is XXX%; Data Tape indicates the DTI of XXX% which is XXX with the XXX dated XX/XX/XXXX. The AUS is approved at XXX% and audit DTI is XXX%. Lender to verify the correct AUS being utilized and XXX Audit DTI variance due rental income variance. Provide supporting documentation to verify rental income in the amount of XXX due to audit’s calculation supports $XXX. This is based off of property taxes XXX per months and insurance XXX per months | Client still disagrees ; rent; ICW | 04/10/2026 | Investor acknowledges exception. ; Lender provided a revised AUS of XXX% which exceeds the investor overlays of XXX% and the data tape of XXX%. Audit calculations are as follows. Primary: XXX Other Liabilities: XXX Net Rental Loss Subject: XXX Net Rental Loss REO Total: XXX Total Liabilities: $XXX. Total Borrower income: $XXX. Audit DTI XXX%. Condition retained. ; Lender provided their income calculations. The LP in file is XXX% which exceeds investor maximum of XXX% Upon further review, tax and insurance for the property located at XXX : Taxes XXX and Insurance XXX. Net rental income $XXX. DTI XXX%. Condition retained. ; Audit reviewed the lender’s response. Audit calculations are as follows: Primary XXX Other Liabilities: XXX Net Rental Loss Subject$XXX, Net Rental Loss REO Total: XXX (XXX-XXX : XXX : $XXX), Total Liabilities: $XXX. Borrower Income Total: $XXX. DTI XXX%. Condition retained. | 05/07/2026 | XXX is Greater than the Guideline Minimum | Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum | Borrower has stable job time | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required. | Property/Appraisal Meets Guidelines; XXX fails > XXX% variance for value, XXX to order. | 03/31/2026 | XXX is Greater than the Guideline Minimum | Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum | Borrower has stable job time | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/18/2026 | XXX is Greater than the Guideline Minimum | Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum | Borrower has stable job time | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing property profile report reflecting the property at XXX is owned free and clear. The mortgage statement for the property at XXX and XXX states escrow but does not indicate what items are escrowed. Please provide taxes and insurance documentation or verification that taxes and insurance are escrowed. | Schedule E for XXX shows no Mortgage Interest paid proving it is Free & Clear; XXX | 04/03/2026 | Fraud report shows XXX. free and clear. Condition cleared. ; Borrower XXX Credit Report is not partially present.; For the property at XXX and XXX-XXX, lender provided taxes and insurance documentation and evidence of tax and insurance are escrowed. Pending fraud repor or lender can provide a property profile report reflecting the property at XXX is owned free and clear. Condition retained. | 04/06/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CA to order AVM. Please provide CDA. | Third party valuation product provided within tolerance.; AVM received within tolerance. Condition cleared. | 03/30/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 03/26/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 03/18/2026 | Borrower has stable job time | XXX is Greater than the Guideline Minimum | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Please provide additional details as to how you arrived at XXX% and/or where we differ in our calculations. Thank you! | 03/26/2026 | Lender DTI of XXX% approved on the Data Tape is with XXX% of audit value of XXX%. Condition cleared. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 03/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The number of financed properties reported to the AUS is XXX however there is XXX financed property. A resubmission is required. | Lender Response | 04/07/2026 | Lender provided evidence the XXX located at XXX . is owned free and clear. Condition cleared. ; AUS is not incomplete. | 04/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CA to order AVM. | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance. | 04/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing property profile report reflecting the property at XXX is owned free and clear. | HOI also does not reflect a mortgagee for XXX | 03/25/2026 | Lender provided a property profile. XXX is owned free and clear. Condition cleared.; Borrower XXX Credit Report is not partially present. | 03/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCOM3075 | Credit | Missing XXX or ID | Missing XXX or ID. Missing XXX or ID. | US Patriot Act | 03/26/2026 | Lender provided the XXX for the borrower. Condition cleared. ; XXX or ID provided.; Material | 03/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA received — no level XXX discrepancies — condition cleared | 03/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/16/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide documentation to show the borrower consented to receive documents electronically at or prior to XX/XX/XXXX | Consent | 04/22/2026 | Evidence of eConsent is provided.; Material | 04/23/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | B | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure required. Refund in the amount of XXX cure package requires a PPCD, LOE, Copy of Refund check, and Proof of delivery or Valid COC. The tolerance is due to the addition of the XXX fee $XXX. | cure; Post CD with PR | 04/16/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX/B.; Please provide printout showing principle reduction was applied. | 04/17/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/20/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts | Per XXX, not owned by borrower. XXX Maps shows an apartment building. | XXX | 04/02/2026 | Lender provided a property profile showing XXX,XXX, not owned by the borrower. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist; Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Alerts Please provide LOE for mailing address of XXX,XXX. Additional conditions may apply.; Fraud Report Shows Uncleared Alerts Please provide LOE for mailing address of XXX,XXX. Additional conditions may apply.; All Fraud Report Alerts have been cleared or None Exist; Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Alerts Please provide LOE for mailing address of XXX ,XXX. Additional conditions may apply.; Fraud Report Shows Uncleared Alerts Please provide LOE for mailing address of XXX,XXX. Additional conditions may apply. | 04/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud report received — other finding added. Condition cleared.; Third Party Fraud Report is provided | 04/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Resolved | FCRE1205 | Credit | XXX Check Not Completed and/or Cleared | XXX Check Not Completed and/or Cleared | Set by mistake. Condition rescinded.; XXX Check Completed and Cleared | 04/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP’s are not in file. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 03/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2026 | Rescinded | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | Set by mistake. Condition rescinded.; All Interested Parties Checked against Exclusionary Lists | 03/26/2026 | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Downgraded as lender approved as PIW per data tape, non material B grade. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 10 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 03/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 10 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 03/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide most recent property taxes and homeowner’s insurance policy for XXX -> PITIA not to exceed XXX which was used in qualifying. | Document Uploaded. | 04/16/2026 | Lender provided the Principal, interest, property taxes and homeowner’s insurance policy for XXX. Condition cleared. | 04/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCOM3075 | Credit | Missing XXX or ID | Missing XXX or ID. | Identification verified on pg XXX | 04/01/2026 | XXX or ID provided. Condition cleared.; Material | 04/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA received — no level XXX discrepancies — condition cleared | 04/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW downgraded and will be a non material B grade as approved per lenders data tape. | Approved per lenders data tape, Non material B grade. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. XXX account statement from XXX held at XXX is dated XX/XX/XXXX with a balance of XXX however a report in file shows a December balance of XXX Lender to provide satisfactory explanation and confirm funds are available for closing. Additional conditions may apply. | Please see attached | 05/18/2026 | Lender provided the XX/XX/XXXX statement which was in the file. However, per LP: Loan was submitted with XXX in retirement accounts. Statement provided does not show a XX/XX/XXXX balance. For each account used to qualify, obtain an account statement covering a XXX-month period or direct account verification. Condition cleared.; Lender provided the XX/XX/XXXX statement which was in the file. However, per LP: Loan was submitted with XXX in retirement accounts. Statement provided does not show a XX/XX/XXXX balance. For each account used to qualify, obtain an account statement covering a XXX-month period or direct account verification. Condition cleared. ; Asset Qualification Meets Guideline Requirements. | 05/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | NMLS | 04/15/2026 | Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Lender agrees with audit findings. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Lender agrees with audit findings. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Lender agrees with audit findings. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 04/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | B | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added; HMDA Data Tape Provided. | 04/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing required Third party valuation. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines | 04/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Borrower’s XXX with wage earnings utilized in borrower’s income calculation. | We did not obtain the actual W2.. think this is non-material. The borrower is XXX% owner of XXX. In XXX Compensation of officers was XXX which matches the Line XX/XX/XXXX wages XXX Form XXX Statement XXX confirms the wages of XXX from XXX. | 05/19/2026 | Upon further review, Form XXX Statement XXX confirms the wages of XXX from XXX. Form XXX-E for XXX. compensation to officers, shows XXX% ownership and the amount of compensation, $XXX. W2 is not primary qualifying document for XXX. Condition rescinded. | 05/20/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of HOA dues for all non subject properties (except for XXX) or a singed letter that there are no dues on the properties. | No HOA for XXX, XXX, XXX , & XXX | 05/12/2026 | Lender provided redfins, and the file contains evidence of No HOA for XXX & XXX (Fraud Report), XXX, XXX , Schedule E. Condition cleared. | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided with no red flags, condition cleared. | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOI documentation for XXX | HOA is XXX With the HOI at XXX a month and taxes XXX = XXX — XXX = XXX difference. This decrease is within tolerance.; HOI for XXX | 05/26/2026 | Lender provided the HOA is XXX With the HOI at XXX a month and taxes XXX = XXX — XXX = XXX difference. DTI within tolerance. Condition cleared. ; Lender provided evidence of insurance in the amount of XXX. Total listed on the XXX $XXX. Please provide evidence of monthly HOA for XXX. Condition retained. | 05/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide XXX (ULI). | ULI is XXX. Thank you | 05/19/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required and is missing | Third party valuation product provided within tolerance. Condition cleared. | 05/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 05/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/06/2026 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Rescinded | FCRE1394 | Credit | Borrower XXX Executed XXX-T Missing | Borrower XXX Executed XXX-T Missing | Please see lender’s response | 05/19/2026 | No income used for B3. Per XXX a XXX is not required. Condition rescinded. ; Borrower XXX Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX) | 05/20/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 05/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX Provide asset statements showing a minimum amt XXX for reserves | Invalid — Uploaded Statement and Heloc XXX for Reserve | 05/28/2026 | Lender provided the HELOC statement and signed agreement. Condition cleared. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 05/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing break down for XXX and proof XX/XX/XXXX payment has been made XXX. Provide payment history or mortgage statement to support missing details. | Please see attached | 06/12/2026 | Documentation in file is sufficient. Mortgage statement provided. Exception rescinded. | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Missing proof of HOA or letter from borrower stating no HOA for the following properties: XXX., XXX and XXX.(XXX and subject are accounted for in the file) XXX Missing proof of free and clear (Provide property profiles or equivilent), taxes and insurance on the following properties: XXX and XXX . Additional conditions may apply. | XXX; Invalid — these were already provided | 06/04/2026 | Lender provided the property profile for XXX. showing no liens. Condition cleared. ; ; Audit reviewed the lender’s response. Appears to be XXX properties: XXX and XXX(Final CD provided.). Please provide a property profile for XXX . Fraud report shows a loan on this property. Additional conditions may apply. Condition retained. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing satisfactory XXX last XXX mo mortgage history for XXX -(XXX) | Invalid — these were already provided | 05/28/2026 | Lender provided the XXX mo mortgage history for XXX -(XXX). Condition cleared. ; Borrower XXX Credit Report is not partially present. | 05/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report Missing in file | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided.; Third Party Fraud Report is provided with no alerts. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| `Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Final application reflects the borrower’s XXX at XXX with a monthly housing payment of XXX supported by the note, tax bill, and homeowners insurance policy in file. The application also reflects an additional monthly expense of $XXX; however, the file does not contain documentation to support this expense. Please provide supporting documentation and validate the monthly obligation. | HOA | 06/04/2026 | Lender provided the HOA documentation for XXX . Condition cleared. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | Please see attached appraisal. Can you pinpoint the guideline violation so I can research further? Thanks! | 05/29/2026 | AVM provided within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The UCDP document shows a CU Score More than XX/XX/XXXX | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Subject Property Taxes is missing in File. Hence as per Final CD Updated | Lender Response | 06/02/2026 | Lender provided the tax calculations, which match the final CD. Condition cleared. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 05/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/14/2026 | Acknowledged | FCRE9272 | Credit | Loan has escrow holdback. No proof it was released provided in file | The following escrow holdback was disclosed on the closing disclosure: “repairs/landscaping required” in the amount of $XXX. The file is missing evidence that the repairs were completed. | Investor acknowledges exception. Final grade will be a B. | 07/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/30/2026 | Rescinded | FCRE1108 | Credit | Calculated Initial Payment and Initial Principal and Interest Payment do not match | The calculated monthly payment based upon the terms of the Note is, $XXX. The monthly payment disclosed on the Note, XXX is not supported by the terms of the Note.. | Rescinded as this was corrected.; Calculated Initial P&I Payment Amount supports Initial Payment Amount.; open; Calculated Initial P&I Payment Amount supports Initial Payment Amount.;.; Calculated Initial P&I Payment Amount supports Initial Payment Amount.; The calculated monthly payment based upon the terms of the Note is, $XXX. The monthly payment disclosed on the Note, XXX is not supported by the terms of the Note. n; The calculated monthly payment based upon the terms of the Note is, $XXX. The monthly payment disclosed on the Note, XXX is not supported by the terms of the Note. Compliance to review.; The calculated monthly payment based upon the terms of the Note is, $XXX. The monthly payment disclosed on the Note, XXX is not supported by the terms of the Note. Compliance to review.; Compliance to review. | 06/30/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is required per guidelines. Please upload to the file. | Third Party Fraud Report is provided.; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 06/30/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX — Supporting Doc is missing XXX — Supporting Doc is missing XXX . — Supporting Doc is missing XXX — Supporting Doc is missing XXX — Supporting Doc is missing | REO’s | 05/29/2026 | Verification of taxes, insurance and HOA Fees provided.; Lender provided the signed closing disclosures for XXX , XXX , XXX , XXX , and XXX and XXX . Condition cleared. | 06/30/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | Insurer confirmation | 06/08/2026 | Documentation is sufficient. XXX% replacement cost verified. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 06/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required. | Third party valuation provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Missing verification of monthly Insurance for XXX property and evidence to support XXX monthly payment for “other” for subject property reflected on AUS. | Please see Lenders response | 05/29/2026 | Upon further review, the XXX was for estimated taxes XXX% on the subject property, not XXX . Condition cleared. | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Mortgage Statement, tax bill, HOI premium, and HOA statement from XXX to verify monthly payment of XXX | Mtg Stmt | 06/10/2026 | Documentation provided is sufficient. Exception resolved. | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit calculations for XXX and XXX are XXX and XXX which lender omitted from qualifying lower than Lender’s qualifying income, This resulted in a higher DTI but remains with the XXX% tolerance level | Per XXX, Analysis of Borrower’s XXX Income: analysis of XXX income is not required if the borrower is qualifying with non-XXX income. In this case she qualifies with her wage-earning job. | 05/29/2026 | Upon further review, Analysis of XXX income is not required if the borrower is qualifying with non-XXX income. In this case she qualifies with her wage-earning job. Condition cleared. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/01/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Scoring not performed on non-UAD form type (XXX/XXX). Provide required third-party valuation product. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 06/01/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1086 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 05/15/2026 | Acknowledged | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. No Cure required. HPML with established escrows and appraisal requirements met. | XXX property, not subject to HPML | 05/29/2026 | Loan is a qualified mortgage, which meets trade stips. Final grade will be a B.; The loan is not subject to HPML but still considered a higher priced covered transaction; Material | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 477 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit calculated higher PITI ($XXX or XXX which increased the rental loss. Lender did not include the HOA dues of XXX in its PITI of $XXX. Resulting in the DTI exceeding guidelines | Please see attached | 06/12/2026 | Lender provided evidence of the tax and insurance for the property located at XXX . DTI within tolerance. Condition cleared. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide tax bill for property located at XXX to verify monthly obligation does not exceed XXX | Invalid — provided in original submission | 05/29/2026 | Lender provided the tax bill for property located at XXX . Condition cleared. | 06/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 05/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation provided within tolerance. Condition cleared.; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 384 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of housing expenses XXX with the following properties: XXX ;XXX ;XXX ;XXX and XXX . Please upload to the file. | Invalid — already provided in original submission | 05/29/2026 | Lender provided the signed closing disclosures for XXX , XXX , XXX , XXX , and XXX and XXX . Condition cleared. | 06/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of Hazard Insurance for REO property XXX , XXX | Invalid — docs were already provided in the original submission package — Uploaded Hazard Policy for [XXX ] | 05/29/2026 | Lender provided the hazard policy for XXX . Condition cleared. | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence of XX/XX/XXXX Mortgage payments made for XXX ., XXX and XXX , XXX, to meet XXX months housing history. | Invalid — Docs were already provided in the original submission — Uploaded Bank statements for XXX mtg payments for both properties [XXX ] and [XXX ] | 05/29/2026 | Lender provided the bank statements for XXX mtg payments for XXX and XXX Condition cleared. ; Housing History Meets Guideline Requirements | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX — Mortgage account as recently originated as per note shows XX/XX/XXXX (page XXX), Mortgage statement is missing in file. Recent large draw requires verification of payment on new balance. | Invalid — HELOC balance on cred rep, APR on heloc stmnt — allows calculation of P&I | 05/29/2026 | Lender provided the credit supplement for the HELOC balance, and the HELOC agreement showing the APR. Condition cleared. | 06/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1096 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The recalculate Total Qualifying DTI is XXX (Subject total monthly, neg rent) XXX (total debts)+ XXX (XXX) + XXX (neg rent) = $XXX/$XXX (qualifying total monthly income) =XXX%. The discrepancy is the monthly XXX amount of XXX the lender used XXX The XXX and lender approval in the file states the qualifying DTI as XXX% the AUS has XXX%. The increase is XXX% Since DTI exceeds XXX% provide updated AUS | XXX | 06/25/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%. Removed installment debt < XXX payments. Condition cleared. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | No HOA | 06/09/2026 | Documentation provided is sufficient. Exception resolved.; Borrower XXX Credit Report is not partially present. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1358 | Credit | Borrower XXX W2/XXX Missing | Borrower XXX W2/XXX Missing. B2 — XXX W-XXX is required for the employer ‘Advanced XXXural Stone,’ as the co-borrower joined on XX/XX/XXXX. Prior employer W-2s are not available in the file. | W2 | 06/11/2026 | Lender provided the XXX W2 for the Co-Borrower. Condition cleared. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report As per the Deal Guide. Fraud Report is required. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | XXX Provide evidence that no new open tradelines resulted from credit inquiries on XX/XX/XXXX from XXX/XXX for borrower XXX and XX/XX/XXXX from XXX Mortgage, XX/XX/XXXX from XXX/XXX for borrower XXX Obtain evidence borrower XXX does not have a monthly obligation for his XXX. Document shows borrower does not own. Potential for rent payment. | Please see attached; XXX | 07/01/2026 | Lender provided evidence that no new tradelines were opened from the inquiries. Condition cleared. ; Acknowledge the LOE for the properties. Still need the evidence no new tradelines were opened from the inquiries. Exception remains. | 07/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Lender to rerun LP approval with adjustments to Credit debts or show proof of closure and payoff of one of XXX. LP approval has XXX per month in debts when actual debts are XXX per month. Also Final XXX shows a monthly debt with XXX for XXX per month where credit report shows XXX per month. Using XXX per month. Additional conditions may apply. | DTI response | 06/11/2026 | Duplicate; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/12/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender to rerun LP approval with adjustments to Credit debts or show proof of closure and payoff of one of XXX. LP approval has XXX per month in debts when actual debts are XXX per month. Also Final XXX shows a monthly debt with XXX for XXX per month where credit report shows XXX per month. Using XXX per month. Additional conditions may apply. | Lender provided a processor Cert. and evidence of the payoff of one of two XXX. DTI within guidelines. Condition cleared. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | HOA XXX | 06/09/2026 | Documentation provided is sufficient. Exception resolved.; Borrower XXX Credit Report is not partially present. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is >XXX. TPV is missing in file | CDA received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX The final XXX reflects “Proceeds from secured loan.” However, AUS (Page XXX) shows $XXX. Although the wire account statement supporting these funds is available, there are no sold or pending properties listed in the final XXX and we are XXX the source account XXX with this amount | Please see attached | 06/09/2026 | Documentation provided is sufficient. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy. The loan file includes evidence of a XXX monthly flood insurance payment, but no actual flood insurance policy is present. Additionally, there is a discrepancy in the flood zone designation: the appraisal report lists XXX, while the flood certificate lists XXX. Please provide the missing flood policy and clarify the correct flood zone. Furthermore, note that the flood insurance premium is currently missing from the AUS and must be factored into the DTI. | Flood | 07/16/2026 | Flood insurance policy provided with the correct flood zone XXX; Flood Insurance Policy is fully present. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Please see attached. | 07/07/2026 | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; DTI exceeds limit due to property taxes and Insurance for XXX not considered in lender’s DTI calculations. Lender calculated calculated XXX monthly payment as XXX (PI only) vs $XXX(Full PITI). | 07/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of %; ; Audited DTI of XXX% is less than or equal to Guideline DTI of % | 07/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX — Please upload property tax information XXX with this property — Also XXX — Tax cert is missing. | Taxes; Taxes | 06/22/2026 | Verification of taxes, insurance and HOA Fees provided.; Finding remains due to insufficient documentation: XXX : Missing supporting documents to verify the XXX tax payment listed on the final XXX For XXX : Need verification for the estimated XXX tax payment (calculated as XXX total TIA minus XXX HOI per the final XXX). | 07/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Final application reflects a mortgage payment of XXX and HOA dues of XXX per month, totaling XXX for the XXX property located at XXX. However, the closing disclosure in file on page XXX reflects a total payment, including escrows, of $XXX. Please provide documentation to support the total housing expense XXX with the subject XXX property. | Lender Response | 06/15/2026 | Audit will use the more conservative calculation provided by the lender. Property taxes in the state of Indiana are not assessed at the full property value for up to two years after the home is completed. Therefore, we qualify the borrower with a fully improved home valued tax estimate but use only XXX per month to set up the tax escrows. Therefore XXX correct. The tax bills will be issued based on land only taxes until the home is fully assessed at a much later date. Condition cleared. | 06/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/18/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence of Appraisal Delivery | 06/04/2026 | Evidence of appraisal delivery provided.; Material | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is XXX Hence we need Collateral Desktop Review document. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing copy of borrower non permanent residence ID. | Invalid — sufficient documentation provided | 05/28/2026 | Lender provided the XXX’s License and the I-XXX approval. Condition cleared. ; Borrower Identification Document provided. | 05/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Appears Lender did not use a vacancy factor from XXX Subject property negative rent is -$XXX. Please provide updated AUS. | Per XXX submission #XXX, borrower was qualified with full PITI. See Subject Negative Cash Flow $XXX. | 06/09/2026 | UW entered an incorrect XXX PITIA. Exception rescinded; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% by more than XXX% Please provide an updated AUS. Condition retained. | 06/10/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CA will order AVM. | CDA received within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). Value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing required third party valuation product, CA to order. | AVM received within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines | 05/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | REO Docs | 06/09/2026 | ; Documentation provided is sufficient. Exception resolved. | 06/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | XXX is Purchase but Purchase Contract Doc is Missing | Purchase Contract Doc is not Missing, or is Not Applicable. | 05/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Client overlay max DTI XXX% AUS overlay max DTI is XXX% | Please provide details around your calculations. Where are the discrepancies between your XXX and ours? Thanks! | 06/09/2026 | Investor acknowledges exception. Final grade will be a B.; Audit calculations are as follows: Primary: XXX Other Liabilities: $XXX et Rental Loss Subject$XXX, Total Liabilities: $XXX. Borrower Income: XXX Co Borrower Income: XXX Total Income: $XXX. DTI: XXX%. Condition retained. | 07/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. Condition cleared. | 06/08/2026 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 05/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1347 | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing. The VOE for B2 does not verify if borrower is still currently XXX. | VOE | 06/15/2026 | Lender provided VVOE within XXX days of closing. Condition cleared. ; Borrower XXX 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/28/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud report as required by BAML guidelines. Additional conditions may apply. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX; ULI is XXX | 06/15/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; Auditor Response: Lender stated the ULI. Please provide documentation reflecting the ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 06/16/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 06/16/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU is not returned for non UAD type. AVM is required and is missing. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Rescinded | FCOM5922 | Compliance | Lender QM Status not validated | The Originator QM designation was not verified. The originator disclosed a QM designation of ATR/QM: Exempt, whereas the final QM designation is QM: Average Prime Offer Rate (APOR). pending credit review. | No required — Rescind | 07/08/2026 | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | House of Finance has no affiliates | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 07/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required.1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent for the appraisal. The appraisal receipt in file reflects that the borrower received a copy of the appraisal via email on XX/XX/XXXX. | XXX | 07/02/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Material | 07/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Required Fraud Report is not provided in file. Please submit Fraud Report. | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 20 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Required documentation, missing. | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 39 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 39 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 24 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 24 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 24 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 24 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 46 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. The Interested party contributions of XXX exceeds the closing costs of $XXX. Please reduce the XXX by the variance and re-run AUS. | Revised Docs | 07/08/2026 | The Interested party contributions of XXX exceeded the closing costs of $XXX. Lender reduced the sales price by $XXX. Condition cleared. ; AUS is not incomplete. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 46 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Rescinded | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The original uw used XXX% of the XXX Sched K loss income instead of the full XXX% This significantly raised the DTI | Borrower is XXX% owner of two XXX: XXX and XXX. Borrower is XXX% owner of two other XXX: XXX and XXX. Per the Income Worksheet, the ownership percentage was entered correctly. | 06/18/2026 | Upon further review. Lender’s income calculations are correct. Condition rescinded. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/22/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 46 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report It is not in the file | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 46 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Not in file | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 32 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 32 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 42 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 42 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Possible un-disclosed property. XXX. Please provide a property profile showing no ownership or revised XXX/XXX/AUS. Additional conditions may apply. | Please see attached | 07/16/2026 | Lender provided the property profile showing XXX owned by the borrower. The property is owned free and clear. Evidence of tax, insurance and HOA provided. DTI is within tolerance. Condition cleared. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided.; Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | LDP & GSA | 06/15/2026 | All Interested Parties Checked against Exclusionary Lists | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1205 | Credit | XXX Check Not Completed and/or Cleared | XXX Check Not Completed and/or Cleared | XXX | 06/15/2026 | XXX Check Completed and Cleared. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1203 | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report is Resolved or None Exists. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 43 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required CU score is Greater than XX/XX/XXXX | AVM received within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 28 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 28 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 38 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 38 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 21 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX is required-CU score of XX/XX/XXXX is greater than XX/XX/XXXX | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 21 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 21 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 25 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 25 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 25 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third party valuation provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 26 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 53 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of property taxes for XXX (Per LOE in the file XXX is new and should have a Purchase information in the file. Please upload this information in order to determine final Debt to income. | Taxes | 06/16/2026 | Lender provided the taxes for XXX DTI within tolerance. Condition cleared. | 06/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 53 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 53 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is required per guidelines, please upload to the file. | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 53 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1068 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is required by guidelines, please upload to the file. | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1068 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational only | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX; ULI is XXX | 06/15/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; Auditor Response: Lender stated the ULI. Please provide documentation reflecting the ULI; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 17 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Required Fraud report is not in file for review. Please provide Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 27 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 27 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 27 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/26/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required — CA to order. | AVM received within tolerance. Condition cleared. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide evidence of insurance coverage at time of disbursement (XX/XX/XXXX) for subject | prior policy active at closing | 06/12/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Client provided Previous Policy reflecting Effective date XX/XX/XXXX. LM Updated. | 06/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide tax bill for property located at XXX to verify monthly obligation does not exceed XXX | Tax cert | 06/12/2026 | Client provided Property Tax bill for XXX reflecting XXX or XXX per month. LM Updated. | 06/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 33 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 54 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Provide Tax Bill for properties located at XXX to verify monthly obligation does not exceed XXX Provide Tax Bill for properties located at XXX to verify monthly obligation does not exceed XXX Provide Tax Bill and evidence of free and clear property located at XXX to verify monthly obligation does not exceed XXX | Taxes on page XXX of each XXX | 06/16/2026 | Lender provided the tax information for XXX taxes, and evidence of free and clear property located at XXX . Condition cleared. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 54 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide updated Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 54 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 47 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 47 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 47 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 50 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 50 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Rescinded | FCRE1448 | Credit | Asset XXX Expired | Asset XXX Expired. Statement appears to be annual from XX/XX/XXXX — XX/XX/XXXX however no updated transaction history was located in the file | Please see the broker’s response attached | 06/18/2026 | Asset XXX Expired. Cash surrender value life insurance annual statement is the most recent. Condition rescinded. | 06/19/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 50 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 29 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Missing AUS to support lender Final Approval having removed the rental income from the XXX and the total income for B1 as XXX total monthly liabilities XXX Total Available Assets XXX and DTI XXX%. Must receive an Approve Eligible. | Revised docs | 06/10/2026 | Documentation provided is sufficient. Exception resolved; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 29 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing fraud report addressing high alerts (if any) that includes a list of all participants with evidence they been checked & cleared through the watchlists. | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 29 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 30 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 30 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 30 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required — CA to order. | AVM received within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Invalid — per XXX Disbursement Date is XX/XX/XXXX — this was provided in the file submitted | 06/12/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; CD with disbursement date of XX/XX/XXXX provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | XXX PITI for the following REO not included on tax returns: XXX , XXX , and XXX. Mortgage statements not provided. Concurrent closings- 1008s for the concurrent loan closings not provided, Loan XXX: XXX and XXX | This is XXX parcel of land that is a corner lot with XXX structures on it. One is facing XXX and the other is facing XXX giving it XXX addresses; XXX loan was cancelled | 06/16/2026 | For XXX, in file shows an address of XXX . Lender provided evidence that these properties are one in the same. This is XXX parcel of land that is a corner lot with XXX structures on it. One is facing XXX and the other is facing giving it XXX addresses. Condition cleared. ; Lender provided the PITIA for XXX , and XXX. Upon further review, the Lease for XXX, in file shows an address of XXX . Please provide evidence that these properties are one in the same. Condition retained | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS. | AUS | 06/12/2026 | Lender provided the AUS. DTI within guidelines and data tape. Condition cleared. ; AUS is not missing. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a value of XXX compared to the appraisal of XXX a (-XXX%) variance. Confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1064 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/08/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Potential ownership Issue – Property records indicate that Borrower(s) may be using XXX unidentified mailing address(es) as Owner’s Mailing Address(es). The address(es) is not identified as being XXX with the Borrower(s). Addresses identified: (XXX) | According to documentation in the file, this is XXX’s address | 06/30/2026 | Upon further review, this is XXX’s address. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist. | 07/01/2026 | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Not located in file | Third Party Fraud Report is provided. | 07/01/2026 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 48 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | EConsent; EConsent | | 06/16/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Material | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | XXX has no affiliates. | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2026 | Resolved | FCRE2504 | Credit | Borrower XXX Verbal Verification of Employment does not meet GSE guideline timing requirement | B2 Verbal Verification of Employment was obtained more than XXX day prior to the Note. | VOE dated day of Note. Final page shows active | 06/12/2026 | Documentation is sufficient. VOE provided. Exception resolved.; Lender provided VVOE within XXX days of closing. Condition cleared. ; B2 Verbal Verification of Employment meets guideline timing requirement. | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Appraisal sent XX/XX/XXXX | 06/12/2026 | Evidence of appraisal delivery provided.; Material | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 35 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 35 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Client overlay max DTI is XXX% AUS in file approved DTI of XXX%. Audit DTI is XXX%. Tape Data DTI is XXX%. BAML to approve. | Investor acknowledges exception. Final grade will be a B. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | eConsent | 06/15/2026 | Evidence of eConsent is provided.; Material | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE1347 | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing. 3rd Party VOE Prior to closing is required per guidelines, please upload to the file. | VOE dated XX/XX/XXXX within XXX day of Note XX/XX/XXXX | 06/12/2026 | Lender provided VVOE within XXX days of closing. Condition cleared. ; Borrower XXX 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is required per guidelines, please upload to the file. | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | missing verification of property taxes (not escrowed) for XXX property | XXX — Docs were provided in original submission | 06/12/2026 | Tax evidence provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX REO Primary XXX- Lender used lower PITI XXX versus higher PITI XXX and higher amount applied as most conservative. Lender used lower P&I payment XXX versus higher P&I payment XXX per mortgage statement. XXX REO XXX — Lender used higher net rental income XXX versus lower net rental income XXX per documents and tax returns in file. Lower net rental income applied as most conservative. Lender used lower P&I payment XXX versus higher P&I payment XXX per mortgage statement. | BAML Approved Exception. Condition downgraded to B.; | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/04/2026 | Required Affiliated XXX Disclosure Documentation Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/28/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required, CA to order. | Third party valuation product provided within tolerance. Condition cleared.; Property/Appraisal guideline violation: ; AVM provided shows a value of XXX compared to the appraisal of XXX a (-XXX%) variance. Confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/08/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Please see attached | 07/17/2026 | Lender provided an LOE from the borrower stating the property located at XXX #XXX is owned by his father. His mail was sent there for security reasons. Condition cleared.; Potential ownership issue – Property records indicate that Borrower(s) may be using XXX unidentified mailing address(es) as Owner’s Mailing Address(es). The address(es) is not identified as being XXX with the Borrower(s). Addresses identified: (XXX). | 07/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Third Party Fraud Report is provided. | 07/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 454 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ABD | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide Mortgage Statement with Universal and XXX months VOM verification for property address: XXX | Lender Response; property purchased XX/XX/XXXX so there would be no mortgage history. | 06/26/2026 | Upon further review, XXX W Sparrow was purchased XX/XX/XXXX and lender provided the XXX payment. Condition cleared.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Per line XXX of the DU: The payment history for the following mortgage(s) cannot be verified because they are either: Not listed on the credit report, On the credit report, but not matched to the mortgage account on the XXX or Shown on the credit report as having an outstanding balance, but the payment history has not been reported in the last XXX months. Verify the payment history for the mortgage(s). If the mortgage is currently XXX days or more past due, or has been XXX days or more past due in the last XXX months, the loan casefile is ineligible for delivery to Fannie Mae. Please provide the Final CD signed and dated or stamped true and certified by the title company. Condition retained. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/28/2026 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | Taxpayer First Act Disclosure is provided | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE9780 | Credit | XXX Purpose Affidavit/Disclosure Missing | XXX Purpose Affidavit/Disclosure Missing. | XXX Purpose Affidavit/Disclosure Provided | 05/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCOM4028 | Credit | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording | Evidence of Mortgage Recording is present or Mortgage has been sent for Recording | 05/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Rescinded | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX | Invalid — Total Funds to be verified XXX | | XXX | XXX | XXX | XXX | XXX XX/XX/XXXX | XXX | XXX | XXX | XXX | 06/12/2026 | XXX/Voya Retirement account statement reflected in the DU and used to qualify on page XXX Assets sufficient. Condition rescinded. | 06/15/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert | Invalid — provided in original submission | 06/12/2026 | Property Tax Cert Provided.; Tax evidence provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | XXX has no affiliates | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third party valuation provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Rescinded | FCRE2503 | Credit | Borrower XXX Verbal Verification of Employment does not meet GSE guideline timing requirement | B1 Verbal Verification of Employment was obtained more than XXX day prior to the Note. | Invalid — paystub dated XX/XX/XXXX provided which is sufficient for VOE and dated within XXX days of the Note XX/XX/XXXX | 06/12/2026 | Explanation provided is sufficient and supported by guidelines. Exception rescinded | 06/15/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Local Lenders has no affiliates | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per the analysis was not performed for this XXX form type | Third party valuation product provided within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a confidence score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM is required. | AVM received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 05/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Appears lender did not calculate Subject property rental loss accurately. Must subtract PITIA from XXX (at XXX%). Please provide subject property income calculations. | Using market rent XXX x XXX% — PITI XXX = XXX which is less than the XXX used to qualify. What is your rental income/loss? | 06/17/2026 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/22/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of discount points of $XXX. The file contains a COC but does not contain a disclosure dated within XXX days of the COC | LE issued XX/XX/XXXX has been provided to align with CIC in file for lock extension | 06/12/2026 | LE provided to align with valid COC in file; exception resolved; LE provided to align with valid COC in file; exception resolved | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | XXX Acquisition has no affiliates. Subject is in XXX. | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV required. | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 629 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received with no red flags. Condition cleared. ; Third Party Fraud Report is provided | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/01/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI exceeds overlay of XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation variance exceeds allowable tolerance of XXX. Collateral Desktop Review is required. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCOM8046 | Compliance | Final CD: Property address is missing or inaccurate | The subject property address has an error on the note. The note and final CD have disclosed the subject property address with a spelling error of the city name. The note and Final CD misspell the city as “XXX”. The correct city is, “XXX” which is confirmed with the Appraisal, Title, Tax records, Contract and Fraud Report. | corrected documents | 06/05/2026 | Lender provided a corrected note and Final CD. The correct city is, “XXX”. Condition cleared. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required. Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ADB | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit loss from other REO is XXX more than lender’s calculation on XXX and DU findings resulting in a DTI exceeding guidelines | I recalculated rental income using a one-time expenses documented by the borrower and reported on Schedule E line XXX Rental income $-XXX. This matches the client’s updated XXX/AUS.; Please see attached | 06/26/2026 | Lender provided documentation of a one time expense in the amount of XXX for the the property located at XXX . The HVAC replacement was an emergency fix. The work was done and paid in cash. Condition cleared. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audit reviewed the lender’s response. Please provide your calculations for XXX. Audit Income per Schedule E: $XXX-XXX=XXX. Condition retained. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation product provided within tolerance. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Please see attached | 06/17/2026 | Duplicate condition | 06/18/2026 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide evidence of sufficient hazard insurance coverage was effective as of the Disbursement Date of XX/XX/XXXX. | Updated Hazard was provided in the original submission | 06/12/2026 | Documentation in file is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 70 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/26/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 70 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/02/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third party valuation provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines | 06/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 70 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Provide mortgage statement for property located at XXX to verify XXX monthly payment includes escrow for taxes and insurance. | PITIA; XXX for XXX was provided | 07/08/2026 | Lender provided the final CD to verify PITI. DTI within tolerance. Condition cleared. ; Loan estimate provided for verification — Countering for final CD to verify PITI is accurate. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Provide evidence of sufficient hazard insurance coverage for subject in the amount of XXX | RCE Letter from insurer; RCE Letter from insurer | 06/16/2026 | Documentation provided is sufficient. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/27/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | BAML Approved Exception. Condition downgraded to B. | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide required third-party valuation product with appraisal as required by guidelines | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2026 | Acknowledged | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Guidelines do not allow property waiver. Provide XXX appraisal supporting the value of XXX | Per LPA submission #XXX, item XXX the loan is approved for a PIW. Is this a XXX overlay? | | 06/17/2026 | BAML Approved Exception. Condition downgraded to B.; AUS in file shows as PIW. PIW is not on Data tape. BAML to approve.; PIW not allowed and is a XXX/XXX overlay. Please provide the full appraisal as required per investor. Thank you. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | B | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required (no CU score) | Third party valuation product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. Condition cleared. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP risk score is XX/XX/XXXX lender noted on conditional approval CU score is XX/XX/XXXX or higher. UW to complete the appraisal checklist and include in the file. Per Deal guide when score is >XXX and AVM is to be obtained and borrower to be notified via XXX email if it would be obtained or not. Auditor did not see an email in the file nor an AVM or Checklist. Lender to provide appropriate document to support the value of home. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/11/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE2371 | Credit | Missing final HUD-XXX from sale of non-subject property | Provide copy of executed HUD I from sale of XXX to verify proceeds of XXX as source of funds for closing subject property | x; Please see attached | 07/08/2026 | Lender provided a signed copy of the HUD I from sale of XXX. Condition cleared. ; HUD I from sale of XXX provided was not signed. Please provide the signed copy. Condition retained. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Tax Bill and HOI XXX page to evidence of free and clear property located at XXX to verify monthly obligation does not exceed XXX | XXX Free and Clear; Please see attached | 06/26/2026 | Property Detail Report provided and reviewed to reflect XXX is Free/Clear; Lender provided the Tax Bill and HOI dec page. Please provide evidence of free and clear property located at XXX . such as a property profile. Condition retained. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide evidence that no new open tradelines resulted from XXX on XX/XX/XXXX | LOE | 06/18/2026 | Lender provided evidence of no new open tradelines. Condition cleared. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Rescinded | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Appraisal response | 06/15/2026 | PWI in file; exception resolved; Evidence of appraisal delivery provided.; Material | 06/16/2026 | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide FMNA and FHMLC UDCP Summary Reports. If Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide tax bills to support borrower does not own the following properties per XXX and income calculations: XXX | XXX LOX with address correction and tax bill showing ownershiip; Ownerships | 06/23/2026 | Lender provided the following: In reference to the properties below, please accept this explanation as the correction to the addresses stated on my XXX Tax return Schedule E, and I have relayed this information to my CPA for the typo’s to be corrected. XXX Lender provided the Tax bill. Condition cleared. ; Other property documentation received, however, still missing evidence to confirm XXX is not owned by the Borrower. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Intelliloan Inc has no affiliates | 06/17/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 52 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Homeownership Counseling Organizations Disclosure is dated XX/XX/XXXX, more than XXX days after the application date of XX/XX/XXXX. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-XXX days of application XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three XXX days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three XXX days after a lender, XXX, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling XXXs in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its XXX functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX days after a loan originator receives an application). This test excluded the following days from the XXX day count based on the client preferences configured on the company settings XXX days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | Homeownership Counseling Organizations Disclosure | 06/27/2026 | HOC provided dated wtihin XXX days of the application date; exception resolved ; HOC provided dated wtihin XXX days of the application date; exception resolved ; Material | 06/30/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 52 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 52 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 71 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 71 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 71 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Rescinded | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Appraisal is Missing. | Per LPA item XXX the loan was approved with XXX+XXX. An appraisal is not required. | 06/22/2026 | PIW — Condition rescinded; BAML Approved Exception. Condition downgraded to B.; Client overlays do not accept PIW’s and the loan was not on the Data Tape as a PIW. BAML to approve. | 08/18/2026 | D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | BAML Approved Exception. Condition downgraded to B. | 08/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 08/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 61 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 61 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM not in file. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/11/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 61 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Third Party Valuation Product Not Provided or Not Provided Within Tolerance. DD Firm to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third party fraud report | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ABD | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Verification Fee on the final CD issued XX/XX/XXXX without a valid reason. The cure given was for only $XXX. | cure | 07/13/2026 | Cure package provided to the borrower within XXX days of discovery; exception downgraded to a XXX/B | 07/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Appraisal waiver used at origination. Loan will be graded a B. ; Material | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 59 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 59 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Per Lender’s Guidelines Fraud Report is required | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Rescinded | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | This is the borrower’s primary home, it’s reported on his XXX | 06/17/2026 | Upon further review, the property located at XXX is the borrower’s XXX. Condition rescinded.; All Fraud Report Alerts have been cleared or None Exist.; Potential Ownership issue. Fraud report provided shows the borrower has ownership in a property located at XXX | 06/18/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts | Third Party Fraud Report is provided. | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE1205 | Credit | XXX Check Not Completed and/or Cleared | XXX Check Not Completed and/or Cleared. | XXX Check Completed and Cleared. | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide tax bill and HOI premium for property located at XXX to verify monthly obligation does not exceed XXX | co-op XXX bill | 06/17/2026 | Lender provided the Co-Op XXX bill. Condition Cleared. | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 68 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 51 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX Verified assets are as followed and do not match AUS. XXX XXX XXX | Please see attached | 06/17/2026 | Lender provided the documentation and deposit in the amount of XXX HELOC on the primary. Condition cleared. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 06/18/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 51 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE2800 | Credit | Verified Liquid Assets Insufficient For Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Verified assets are as followed and do not match AUS. XXX | Please see attached. | 06/17/2026 | Verified Liquid Assets are sufficient for closing. | 06/18/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 51 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 51 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is in the file. Please upload to the file. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 65 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 65 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 76 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide HOA statement for property located at XXX to verify total monthly obligation does not exceed XXX | HOA | 07/15/2026 | HOA statement provided and reviewed as acceptable for property located at XXX | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 76 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 76 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX | 07/16/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA XXX required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Mortgage Recording fee increased on the PCCD issued XX/XX/XXXX. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party XXXs that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party XXXs and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party XXX is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party XXX, consistent with §XXX(e)(XXX)(vi). | cure documents | 07/13/2026 | Cure provided to the borrower within XXX days of discovery; exception downgraded to a XXX/B; Cure provided to the borrower within XXX days of discovery; exception downgraded to a XXX/B | 07/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2026 | Rescinded | finding-3719 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §XXX(d)(XXX), transferred from 12 CFR §XXX(d)(XXX) The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than XXX This loan failed the TILA finance charge test.(12 CFR §XXX(d)(XXX), transferred from 12 CFR §XXX(d)(XXX) The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than XXX Corrected prepaid interest; exception resolved Corrected prepaid interest; exception resolved | 07/14/2026 | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/15/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Realquest | 07/06/2026 | Lender provided evidence the property located at XXX,XXX is not owned by the borrower. Condition cleared.; Possible undisclosed property. XXX,XXX. Please provide a property profile or proof of sale. Additional conditions may apply. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing borrowers Non permanent resident ID information. | I-XXX active | 06/16/2026 | Borrower’s active I-XXX provided. Condition cleared. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Not located in file | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 66 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 49 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE1469 | Credit | Asset XXX Missing | Asset XXX Missing. Provide copy of final settlement statement from sale of XXX to support XXX proceeds as source of sufficient funds to close and reserves | Please see attached | 06/30/2026 | Documentation is sufficient. Settlement statement provided. Exception resolved. ; Asset XXX Provided Or Not Applicable | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 49 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide letter of explanation from XXX to support borrower does not have monthly payment obligation for XXX | Home is owned by XXX so all expenses are his responsibility. | 06/30/2026 | Documentation is sufficient. Property report provided. Exception resolved. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 49 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 49 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report | Third Party Fraud Report is provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 389 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/11/2026 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 37 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. Per AUS Lender status is required by the XXX XX/XX/XXXX | Please see attached; FHLMC condo approval | 07/07/2026 | Condo Approval is provided and certified by the Lender. Condition cleared.; Subject loan was a Fannie Mae/DU loan which requires a CPM (only Freddie’s CPA was documented). #XXX of the DU in file indicates a valid Certified by Lender status is required. Please provide a valid CPM or Certified by Lender status for the subject condo project. Thank you.; Material | 07/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | B | A | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 37 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Per Lender Guidelines Fraud Report is required | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | B | A | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 37 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | B | A | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third party Fraud report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 67 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 67 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required-CU score is greater than XX/XX/XXXX | Third party valuation provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/12/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Please see revised documents. New property added, subject rental property income adjusted. ; I asked the underwriting team to review, please see their response attached. | 07/17/2026 | Lender provided a revised AUS/XXX/XXX including XXX . DTI within tolerance. Condition cleared.; Per the property detail provided. XXX ,XXX is owned by the borrower. Please provide a revised AUS/XXX/XXX including this property. Condition retained. ; Possible undisclosed property” address, owner name, recording date, purchase price, source (MERS or Public Records): XXX ,XXX | 07/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. (See additional finding). Condition cleared. | 07/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% AUS approval in file XXX% | This finding should clear if you agree with our response to the Fraud Report finding. | 07/08/2026 | BAML Approved Exception. Condition downgraded to B.; Audit reviewed the lender’s response and used Schedule E to calculate the rental income for the subject property. Fair Rental Days XXX Monthly rental income XXX-XXX= ($XXX). Please provide your calculations and rationale for the increase. Condition retained. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Resolved | FCRE1442 | Credit | Asset XXX Expired | Asset XXX Expired. Need current statement — statement in file is expired. | Please provide the name of the institution you are referring to, going forward. | 06/30/2026 | Apologize for the confusion. Lender provided the CVLI dated XX/XX/XXXX. Condition cleared. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 79 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 79 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX | Invalid | 06/12/2026 | Lender provided documentation for the XXX borrowed funds. Condition cleared. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 07/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Rescinded | FCRE1366 | Credit | Borrower XXX Award Letter Missing | Borrower XXX Award Letter Missing Missing income documentation for Borrower2 Other income of XXX | Incorrect — The AUS was re-run with the correct XXX Distribution amount for XXX and SSI Income of XXX show deposits for XXX and the XXX for account XXX-XXX shows XXX coming out — which is sufficient to clear; x | 07/08/2026 | Upon further review, current receipt XXX” as per distribution letter showing monthly distribution amount is XXX however deposit is account after tax deduction amount is XXX as per taxes withheld on pg#XXX showing XXX and XXX tax withheld from XXX and lender use only deposit amount $XXX+XXX=$XXX, hence conservative used. Condition rescinded. ; Lender provided the AUS. Please verify other income for XXX in accordance with the Selling Guide. (XXX ID XXX). Specifically the Social Security income in the amount of $XXX. Condition retained. ; Borrower XXX Award Letter Missing. | 07/09/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Missing documentation for the XXX borrowed funds (Included monthly payment). Additional conditions may apply. | Invalid — Secured Loan Document provided in original upload | 06/12/2026 | Lender provided documentation for the XXX borrowed funds. Condition cleared. ; Asset Qualification Meets Guideline Requirements. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 58 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided | 06/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 58 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 80 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 80 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence | 06/25/2026 | Evidence of appraisal delivery provided.; Material | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the XXX. | IEAD | 06/10/2026 | Documentation provided is sufficient. Exception resolved; Initial Escrow Account Disclosure is Resolved.; Material | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/27/2026 | Resolved | FCOM3075 | Credit | Missing XXX or ID | Missing XXX or ID. | US PATRIOT ACT | 06/10/2026 | Documentation provided is sufficient. Exception resolved; XXX or ID provided.; Material | 06/11/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/11/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing XXX w2 for B1 that is fully complete with all the required information needed to calculate income. The XXX w2 in the file is a blank template/form and has not been completed with any of the required information including but not limited to, Borrower name, SSN, Wages, Employer name, etc. | XXX W2 | 06/12/2026 | Income and Employment Meet Guidelines.; Corrected W2 provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing with XX/XX/XXXX of all participants | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Per AUS supporting documentation is required for SSA collection account due to a balance of XXX is reflected on the credit report with no paid in full or statement reflecting monthly payment | Resolved as lender is using percentage of balance for loan payment. | 08/20/2026 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Per Lender’s Guidelines Fraud Report is required | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. | 06/08/2026 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points and increase from XXX to XXX for Transfer Tax on CD XX/XX/XXXX without a COC. Cure provided on Final CD for XXX which was applied to the XXX% tolerance. | LOE and COC; LOE | 07/21/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i).; There is no COC provided for the increase in discount points on the CD dated XX/XX/XXXX; This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §XXX(e)(XXX)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised loan estimate delivery date is less than four XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §XXX(e)(XXX)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(XXX)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(XXX)(i) not later than four XXX days prior to consummation. If the revised version of the disclosures required §XXX(e)(XXX)(i) is not provided to the consumer in person, the consumer is considered to have received such version three XXX days after the creditor delivers or places such version in the mail. No cure available: LE dated XX/XX/XXXX was provided after the Initial CD dated XX/XX/XXXX. | LOE | 07/09/2026 | Lender confirmed Initial CD dated XX/XX/XXXX was not sent to the borrower; exception resolved ; Lender confirmed Initial CD dated XX/XX/XXXX was not sent to the borrower; exception resolved | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | finding-4001 | Compliance | TRID Disclosure Delivery Date Validation Test | This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the initial closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. No cure available: LE dated XX/XX/XXXX was provided after the Initial CD dated XX/XX/XXXX. | LOE | 07/09/2026 | Lender confirmed Initial CD dated XX/XX/XXXX was not sent to the borrower; exception resolved ; Lender confirmed Initial CD dated XX/XX/XXXX was not sent to the borrower; exception resolved | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal sent | 06/18/2026 | Evidence of appraisal delivery provided.; Material | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud is required per guidelines, please upload to the file. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | eConsents | 06/16/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Material | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/04/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ABD | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
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Originator | Last Name |
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Exception Date |
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Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
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Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
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Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 34 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order | CCA received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 34 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 34 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared.; Third Party Fraud Report is provided. | 06/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Document XXX monthly HOA dues disclosed on final AUS #XXX. | HOA | 07/02/2026 | HOA of XXX dues provided and reviewed ; AUS is not incomplete. | 07/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2026 | Resolved | FCRE8611 | Credit | Income/Employment General | Document borrowers are owners of XXX- legal owner or REO XXX | Please see attached. | 06/30/2026 | Lender provided a property profile and XXX license. XXX is the owner of REO XXX. Condition cleared. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | Condo Cert and Questionnaire | 06/23/2026 | Condo Approval is provided. Condition cleared.; Condo Approval Missing. Condo approval is Missing ; Material | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2026 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided. Missing documentation to support the monthly amount of $XXX. The declarations page with effective date XX/XX/XXXX indicates that it replaces the prior declarations page with effective date of XX/XX/XXXX. The recent declarations page does not list a premium amount and appears to have increased and decreased coverages. Extended replacement cost dwelling and ordinance/law dollar amounts were were added in coverage and the rent loss insurance was changed from XXX months coverage to Actual Loss Sustained. The lender used the amount from the old declarations page in the PITIA on the final CD. | Document Uploaded. Please review the uploaded doc. ; x | 08/21/2026 | Hazard Insurance Policy is Present. The documentation showing the premium amount. Condition cleared.; Evidence of property insurance provided does not list the XXX premium. Please provide the documentation showing the premium amount. Condition retained. | 08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2026 | Resolved | FCRE9272 | Credit | Loan has escrow holdback. No proof it was released provided in file | The following escrow holdback was disclosed on the closing disclosure: Foundation Repairs needed in the amount of XXX x XX/XX/XXXX = XXX The file contains a proposal bid for repairs. XXX.The file is missing evidence that the repairs are complete XXX.Missing A copy of the Structural XXX Report. Additionally, there are Plumbing repairs paid by the seller in the amount of XXX listed on the final CD that are not included in the escrow agreement. The invoice was provided for the Plumbing inspection obtained by B2. XXX.The file is missing a copy of the inspection report with evidence the repairs are complete. | We agree that the loan closed with an escrow holdback. However, the document attached confirms that the escrowed funds were released. XXX (holdback reserves) was released back to the borrower on XXX/XXX, and XXX was released to XXX on XX/XX/XXXX. Will XXX buy the loan now that the escrow withhold is released?; x | 07/10/2026 | The escrowed funds were released. XXX (holdback reserves) was released back to the borrower on XXX/XXX, and XXX was released toXXX on XX/XX/XXXX. Investor approved. ; Audit reviewed the lender’s response. The documents attached confirm that the escrowed funds were released. XXX (holdback reserves) was released back to the borrower on XXX/XXX, and XXX was released to XXX on XX/XX/XXXX. Pending approval from investor.; The Due Diligence firm has spoken directly with the Investor and confirmed that the investor will not purchase loans that are subject to an escrow holdback. Loan is ineligible for purchase. Condition retained. | 08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | BAML Approved Exception. Condition downgraded to B. | 08/18/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 08/18/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Rescinded | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. | Data Tape, see early check. Loan is not solely PIW it required a XXX code XXX Value Acceptance + Property Data on page XXX; XXX appraisal fee on the CD is for the PDC. PDC in file along with the XXX invoice.; There is no appraisal. AUS was approved with value Acceptance PDC | 06/30/2026 | PIW — Rescind; BAML Approved Exception. Condition downgraded to B.; PIW is not listed on the data tape provided. BAML to approve. Condition retained. ; PIW is not listed on the data tape provided. BAML to approve. Condition retained. ; COC dated XX/XX/XXXX changed PIW from yes to no, and final CD shows an appraisal fee. Condition retained. | 08/18/2026 | D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Rescinded | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. XXX is missing | Not required — Rescind.; Material | 06/26/2026 | D | B | A | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 62 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required-CU score is not present | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 06/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/29/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | appraisal sent proof | 06/26/2026 | Evidence of appraisal delivery provided.; Material | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/29/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ABD | 06/12/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 05/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 74 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 74 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 75 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Closing and disbursement date was XX/XX/XXXX. Please provide updated declaration page reflecting insurance coverage for subject property effective on day of closing XX/XX/XXXX | HOI | 06/27/2026 | Lender provided the hazard insurance declaration page with an effective date at or prior to the note. Condition cleared. ; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 75 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide third party fraud report with all high alerts cleared with needed documentation and commentary along with all interested parties checked with exclusionary lists | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 75 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Closing and Disbursement Date was XX/XX/XXXX. Please provide corrected declaration page from insurance company reflecting insurance in effective on the date of closing/disbursement. | HOI | 06/27/2026 | Lender provided the hazard insurance declaration page with an effective date at or prior to the note. Condition cleared. ; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order | CCA received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines.; AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide missing fraud report. Ensure to clear all high alerts cleared with acceptable documentation and commentary as well as evidence all parties cleared on XXX and exclusionary lists. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1076 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM with a variance less than XXX% and Confidence Score greater than XXX% The subject property is a XXX-unit property, therefore a FNMA analysis was not performed for this non-UAD form type and no CU score resulted. | CDA received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/07/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing full fraud report. XXX searches for B1 and B2 completed. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) The loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of the Transfer Taxes on the final CD issued XX/XX/XXXX without a valid reason. | cic | 06/27/2026 | Valid COC provided; exception resolved ; Valid COC provided; exception resolved | 06/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required and is missing | XXX received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/29/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 90 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Lenders Data Tape approved the PIW, will remain a non material B grade. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | B | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 6 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1446 | Credit | Asset XXX Expired | Asset XXX Expired. | Updated statements; Invalid and not very clear as to what is needed | 07/13/2026 | Most recent statement for Capital Group provided. Condition cleared.; Apologize for the confusion. The most recent statement for Capital Group is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Condition retained. | 07/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1445 | Credit | Asset XXX Expired | Asset XXX Expired. | Current statement ; Finding does not outline what is needed which will create a delay in getting it cleared. | 07/13/2026 | The most recent statement for Western Alliance provided. Condition cleared.; Apologize for the confusion. The most recent statement for Western Alliance is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Condition retained. | 07/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. CA to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/02/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XXX | 06/25/2026 | Evidence of appraisal delivery provided.; Material | 06/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. Appraisal is missing | Third party valuation product provided within tolerance. | 07/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | 07/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX | 06/26/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/08/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | XXX | 06/25/2026 | Evidence of eConsent is provided.; Material | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Within Tolerance. | CCA received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID for borrowers. | x | 06/25/2026 | US Patriot Act Disclosure or ID provided. Condition cleared.; Material | 06/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 06/25/2026 | Evidence of eConsent is provided.; Material | 06/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing property report reflecting the property at XXX is owned free and clear. Missing tax certificate, insurance policy and HOA statement for the property at XXX. If HOA not applicable, a LOE stating there are no HOA dues is required. | HOA, Tax and Free and Clear | 06/24/2026 | Lender provided a property report reflecting the property at XXX is owned free and clear and HOA statement. Condition cleared. ; Borrower XXX Credit Report is not partially present.; Borrower XXX Credit Report is Partially Present. | 06/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM with a value < XXX% variance from appraisal value and a Confidence Score not less than XXX% Property is a XXX-unit and the XXX analysis was not performed for this non-UAD form type; therefore no CU score was provided. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW approved by lenders data tape, Non material, B grade. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 06/25/2026 | Evidence of appraisal delivery provided.; Material | 06/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 08/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/24/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU is > XXX. AVM is required and is missing. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 693 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FCRE1364 | Credit | Borrower XXX Executed XXX-T Missing | Borrower XXX Executed XXX-T Missing. | x | 07/09/2026 | Documentation is sufficient. 4506C provided. Exception resolved.; Borrower XXX Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX). | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Within Tolerance. Appraisal is missing | Third party valuation product provided within tolerance. Condition cleared. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW approved per lenders data tape, Non material B grade. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE2371 | Credit | Missing final HUD-XXX from sale of non-subject property | Provide copy of Final Cd to verify XXX has sold and supports exclusion of monthly obligation | Invalid — this was in the original submission | 07/13/2026 | Final CD for sale property XXX Trail provided and is acceptable per GLs | 07/14/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | x | 06/26/2026 | Evidence of appraisal delivery provided.; Material | 06/29/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. OFAC search completed for B1 on credit report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. Missing evidence of XX/XX/XXXX housing payment for XXX., was made XXX x XXX to meet XXX months housing history | Credit Supplement | 07/06/2026 | Housing History Meets Guideline Requirements. Condition cleared. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 734 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | x | 06/26/2026 | Evidence of appraisal delivery provided.; Material | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Per AUS LP pg XXX Code XXX The following debt(s) was submitted as paid off at or before closing and/or excluded and is therefore omitted from the debt-to-income (DTI) ratio. The debt(s) is considered paid off at or before closing if the account has zero balance as of the XXX. For debt(s) submitted as excluded, include documentation supporting omission. Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; Creditor: XXX FCU, Acct: ***XXX, Bal: $XXX; Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: XXX There was nothing in the file to support they have been paid off and the borrowers were not hit with the debts. $XXX. | Please see lender’s response attached | 07/15/2026 | For debt(s) submitted as excluded, include documentation supporting omission. Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; XXX: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; XXX: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; XXX: XXX, Acct: ***XXX, Bal: $XXX; XXX . reditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; XXX: XXX MORTGAGE XXX Acct: ***XXX, Bal: $XXX; XXX, Creditor: XXX MORTGAGE XXX Acct: ***XXX, Bal: XXX. Upon further review, the debts were not paid off. All mortgages are accounted for on the XXX returns for XXX Form XXX reports rental XXX activity owned by a XXX or XXX. If the rental property income/expenses are already being reported on XXX the property is considered an asset/activity of the XXX entity and not separately count it again in the borrower’s XXX REO schedule. Condition cleared. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Variance between audit DTI and AUS DTI is greater than XXX% and resubmission of AUS is required. The audit DTI is higher than the lender’s qualifying DTI due to XXX.) borrower has a Sch C XXX, but lender did not use this income for qualifying, which does reflect a small loss for XXX of -$XXX. XXX.) Subject Property Taxes: The lender provided no estimated property tax calculation documentation showing their calculation of the XXX used for qualification on the new construction property. Standard calculation is XX/XX/XXXX per XXX (the XXX% rate). Therefore, the audit’s calculation of taxes would be Sales Price of XXX * XXX / XXX months = XXX per month estimated taxes. | The borrower qualifies with W2/wage income only. In that case Per FNMA B3-XXX-XXX applies and an analysis of the self-employment is not required. Therefore, FNMA B3-XXX-XXX should not be considered. If we’re not analyzing self-employment, B3-XXX-XXX is not needed. ; XXX Per FNMA B3-XXX-XXX, Analysis of Borrower’s XXX Income: analysis of XXX income is not required if the borrower is qualifying with non-XXX income. In this case he qualifies with his wage-earning job. | | XXX The difference between your calc and ours is $XXX. Assuming you agree with item #XXX, adjusted DTI is XXX% which is within tolerance. | 07/10/2026 | Upon further review, the Borrower reports primary earnings from W-XXX employment totaling $XXX. Tax returns reflect a nominal Schedule C loss of $XXX. Self-employment income is not being used for qualification. Per FNMA B3-XXX-XXX, a separate self-employment income analysis is not required due to the minimal XXX activity and insignificant loss. Condition cleared.; ; Audited DTI of XXX% exceeds AUS DTI of XXX% Audit reviewed the lender’s response. If the borrower is qualifying solely on stable W-XXX income and the Schedule C XXX is a separate, secondary activity that is not being used for qualification, XXX may allow the lender to disregard the loss in certain circumstances, provided the file supports that the borrower qualifies without the self-employment income and the activity does not require a full self-employment income analysis. The DTI of XXX% exceeds investor overlays of XXX %. Per XXX B3-XXX-XXX, income or loss from a sole proprietorship reported on IRS Form XXX Schedule C must be analyzed to determine the borrower’s qualifying cash flow, with appropriate adjustments for recurring and nonrecurring item. Please provide evidence that this is a non-recurring item, and therefore excluded. Condition retained. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Flood Life of Loan fee that increased on the initial CD issued on XX/XX/XXXX without a valid COC. | LOE for Flood fee | 07/14/2026 | Rounding issue; exception resolved; Rounding issue; exception resolved | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX | 07/07/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material; Material; Material; Material; Material; Material | 07/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Appraisal waiver approved by LP | XXX Approved Exception. Condition downgraded to B. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. Condition cleared. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
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State | TPR QM ATR Status |
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Exception Date |
Remediation Status |
Exception ID |
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Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 63 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of monthly hazard insurance for XXX and evidence of HOA for all REO’s if applicable. | Please see attached; Please see attached | 07/22/2026 | Evidence of HOA for XXX and XXX provided. Condition cleared. ; XXX /XXX searches are not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. Additional conditions may apply. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 63 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 63 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 77 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 77 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 78 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 78 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 78 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 78 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. No CU score. | Third party valuation product provided within tolerance. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. CU score of XX/XX/XXXX exceeds the max of XX/XX/XXXX | Resolved, AVM meets guideline requirements. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/10/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the MERs fee added to the initial CD dated XX/XX/XXXX. The COC in file dated XX/XX/XXXX does not provide a valid reason for the addition of the MERs fee. | cure | 07/21/2026 | Cure package provided within XXX days of discovery; exception downgraded to a XXX/B | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/16/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | XXX Approved Exception. Condition downgraded to B.; Material | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/10/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §XXX(e)(XXX)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised loan estimate delivery date is less than four XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §XXX(e)(XXX)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(XXX)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(XXX)(i) not later than four XXX days prior to consummation. If the revised version of the disclosures required §XXX(e)(XXX)(i) is not provided to the consumer in person, the consumer is considered to have received such version three XXX days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX days prior to consummation. | Tracking | 07/02/2026 | Revised LE receipt date provided; exception resovled; Revised LE receipt date provided; exception resovled | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV required. Missing CU score | Third party valuation product provided within tolerance. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1078 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy. Provide Master Insurance Policy for subject property | Master policy | 07/02/2026 | Master HOI policy provided and reviewed is acceptable per GLs; HO-XXX Master Insurance Policy is fully present. | 07/06/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1078 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1078 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Tax Bill for properties located at XXX to verify monthly obligation does not exceed XXX | Taxes | 07/06/2026 | Lender provided the Tax Bill for XXX. Condition cleared. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence | 06/25/2026 | Evidence of appraisal delivery provided.; Material | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 333 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete. The Mortgage was completed as a second mortgage. Lender reran AUS and updated loan to XXX, need updated Mortgage reflecting XXX, riders needed. | Please see attached | 08/11/2026 | Lender provided the re recorded Deed of Trust with the correct riders. Condition cleared. | 08/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCOM1229 | Credit | XX/XX/XXXX Family Rider is Missing | XX/XX/XXXX family rider is missing. The loan closed as a second home on XX/XX/XXXX. The lender resubmitted the loan to the AUS on XX/XX/XXXX as an XXX property. Also missing the XXX Affidavit reflecting this as an XXX and not a second home. XX/XX/XXXX Family Rider is Missing. | The XX/XX/XXXX Family Rider is Present | 08/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. AVM is required and is missing. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | XXX received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/17/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence | 06/26/2026 | Evidence of appraisal delivery provided.; Material | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 06/23/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 07/08/2026 | Evidence of eConsent is provided.; Material | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | x | 07/08/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is Required. CU Score if greater than XXX. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide third party fraud report along with proof all parties checked with exclusionary lists. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/24/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Third Party Party Valuations are required per overlays. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The Fraud report is missing. Please provide acceptable fraud report with OFAC list and Exclusionary lists checked as required. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 41 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Investor overlay requires minimum XXX FICO. | XXX Approved Exception. Condition downgraded to B. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 41 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. OFAC Search provided for B1. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 41 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party XXX that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party XXX and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party XXX is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party XXX, consistent with §XXX(e)(XXX)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording fee that increased on the final CD issued on XX/XX/XXXX without a valid COC. | PCCD | 07/02/2026 | PCCD dated prior to review provided; exception resolved; PCCD dated prior to review provided; exception resolved | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Appraisal delivery | 07/02/2026 | Evidence of appraisal delivery provided.; Material | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee and from XXX to XXX for the credit report fee. Both appraisal and credit report increased on the final CD dated XX/XX/XXXX with no explanation or COC on why the charges increased. | cure | 07/21/2026 | Cure package provided to the borrower; exception downgrade to a XXX/B; Cure package provided to the borrower; exception downgrade to a XXX/B | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party XXX that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party XXX and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party XXX is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party XXX, consistent with §XXX(e)(XXX)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee. The mortgage recording fee increased on the final CD dated XX/XX/XXXX and the file did not contain an explanation or COC. | Document Uploaded. ; XXX% Test | 07/11/2026 | PCCD and final settlement statement provided; exception resolved; PCCD and final settlement statement provided; exception resolved | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 07/11/2026 | Evidence of appraisal delivery provided.; Material | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 95 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 95 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 95 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 428 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 428 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal disclosure | 08/10/2026 | Evidence of appraisal delivery provided.; Material | 08/11/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal fee on the revised LE issued on XX/XX/XXXX. The COC in file does not contain enough information for the increase of this fee. | PCD, LOE, Cure, confirmation of delivery | 07/09/2026 | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide third party fraud report as required by lender overlays. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Per Lender’s guidelines Fraud Report is required | Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 19 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 96 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/24/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(XXX)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three XXX days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(XXX)(i) no later than three XXX days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Initial CD was issued and signed XXX, there is no CD in file issued XXX. Executed initial CD uploaded | 06/17/2026 | Lender confirmed initial CD provided; exception resolved; Lender confirmed initial CD provided; exception resolved | 06/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 69 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Resolved as we have received the TPV within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM received outside the XXX% tolerance allowed for value. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 69 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 69 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide evidence that no new open tradelines resulted from credit inquiries on XX/XX/XXXX with XXX | LOE | 07/07/2026 | Lender provided an LOE stating no new open tradelines resulted from credit inquiries. Condition cleared. | 07/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Provide HOA dues for property located at XXX. to verify monthly obligation does not exceed XXX | Please see attached | 07/06/2026 | Lender provided the HOA dues for property located at XXX. Condition cleared. | 07/07/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud report received with no red flags, condition resolved.; Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 07/07/2026 | Evidence of eConsent is provided.; Material; Material; Material; Material; Material; Material | 07/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing. Please provide ensuring to clear and comment on all high alerts. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | I provided proof that the property did not belong to our borrower. Your rejection was lacking. We then had to disturb the borrower just so he can provide proof that the property is indeed, is sons; Its our borrowers, son’s property | 08/04/2026 | Lender provided evidence that the property located at XXX is owned by his son, XXX. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist.; Please provide a signed LOE from the borrower stating this is not their property. Condition retained. ; Possible un-disclosed property. XXX. Please provide a property profile showing no ownership or revised XX/XX/XXXX/AUS. Additional conditions may apply. | 08/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. (See additional finding). | 08/05/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX Provide mortgage statement and tax bill for property located at XXX to verify total monthly obligation does not exceed XXX | Regarding XXX. P&I taken from credit report, HOI and Taxes attached | 07/06/2026 | Lender provided a property profile and HOI for property located at XXX. Condition cleared. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy. Provide Condo Master Insurance Policy acceptable to guideline requirements. | hoi | 07/02/2026 | The Master Ins Policy was provided and reviewed as acceptable per GLs ; HO-XXX Master Insurance Policy is fully present. | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-XXX days of application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three XXX days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three XXX days after a lender, XXX, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling XXX in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its XXX functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX days after a loan originator receives an application). This test excluded the following days from the XXX day count based on the client preferences configured on the company settings XXX days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | RESPA Homeownership Counseling Organizations Disclosure | 07/02/2026 | HOC dated within XXX days of the application date provided; exception resolved; HOC dated within XXX days of the application date provided; exception resolved; Material | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | Loan Estimate | 07/02/2026 | LE provided; exception resolved | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Intent to Proceed | 07/02/2026 | Proof of Intent to Proceed has been provided.; Material | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW approved per lenders data tape, non material B grade. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Acknowledged | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Lender approved with PIW per data tape, non material B grade. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Per Lender’s guidelines a Fraud Report are required | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 06/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 89 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 89 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 87 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 87 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Per Lender’s guidelines required | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 87 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 94 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Auditor checked the loan file and could not find the Fraud Report | Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 94 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 06/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Auditor checked the loan file and could not find the fraud guard report | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Per Lender’s guidelines required | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM. Per Lender’s guidelines when the CU Score of XX/XX/XXXX is greater than XX/XX/XXXX a AVM is required | Third party valuation product provided within tolerance. | 06/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud guard report was not in the file. If the Lender has an exception for not obtaining a report please provide a copy of the exception and or fraud guard report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 771 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 771 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/09/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Non material B grade, approved per lenders Data tape. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Auditor did not see a fraud guard report in the file. Lender please provide copy of the fraud guard report and or an exception. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Acknowledged | FCRE1330 | Credit | Borrower XXX Paystubs Missing | Borrower XXX Paystubs Missing. Paystubs are not in file. Day XXX Certainty Loan, income approved with XXX report. Final grade will be a B. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third Party Valuation Product provided within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 746 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% LP did not include XXX 2nd mortgage payment on XXX. Provide LP Accept Eligible findings with update primary housing obligation supporting DTI of XXX% | Please see revised documents attached | 07/30/2026 | Lender provided a revised LP Accept Eligible /XX/XX/XXXX including the XXX 2nd mortgage payment on the XXX. DTI within tolerance. Condition cleared. | 07/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | AVM received within tolerance. Condition cleared.; AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/15/2026 | Resolved | FCRE7551 | Credit | Missing Divorce Decree | Please provide court order reflecting monthly child support payment for XXX | Invalid — provided in original submission | 07/07/2026 | Lender provided the Divorce decree. Under section F: Child Support; When Insurance is available, the obligor shall pay child support in the amount of XXX per child which includes a XXX% processing fee. Borrower has two children ages XXX and XXX Condition cleared. | 07/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Invalid suplicate finding — all documents uploaded to the other finding ; Invalid — all of these docs were in the file submitted | 06/30/2026 | Verification of taxes, insurance, and/or HOA fees for non-subject properties provided. Condition cleared. | 07/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 759 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/12/2026 | Acknowledged | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. QM HP eligible. | The loan designation is QM Presumption of Compliance and the loan data tape will be corrected | 07/10/2026 | XXX Approved Exception. Condition downgraded to B.; Material; Material; Material; Material; Material; Material | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | B | B | C | A | C | A | B | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation product provided within tolerance. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | A | B | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | A | B | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/12/2026 | Acknowledged | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. HPML compliant | Not Valid — Second home are not subject to HPML. Reg Z XXX | 07/10/2026 | XXX Approved Exception. Condition downgraded to B.; This test is not for higher priced mortgage loans, it a test to determine if it meets Safe Harbor or rebuttable presumption (higher priced covered transaction). 2nd homes are subject to testing for safe harbor; Material; Material; Material; Material; Material; Material | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | C | A | D | A | B | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure; Affiliated XXX Disclosure | 07/10/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Affiliated XXX disclosure provided was for the title agent; provide attestation that the lender either has no affiliates or made no referral to any affiliates; Material; Material; Material; Material; Material; Material | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | A | C | A | D | A | B | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/11/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing. | Invalid — provided in file submission | 06/30/2026 | HOA Questionnaire Provided. Condition cleared. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | C | A | D | A | B | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. Condition cleared. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | C | A | D | A | B | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | C | A | D | A | B | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | D | C | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is required by guidelines, please upload to the file. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Will require additional documentation to support the value | Third party valuation product provided within tolerance. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM as Per Lender’s guidelines when a CDA of XX/XX/XXXX is greater than XX/XX/XXXX an AVM is required. | Third party valuation product provided within tolerance. Condition cleared. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing and is required per guidelines, please upload to the file, | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/15/2026 | Resolved | FCRE1764 | Credit | Missing Verification of Mortgage | Please provide supporting documentation and written explanation why mortgage secured at XXX for XXX a month was excluded from dti. Mortgage statement with XXX was provided in file. | Revised AUS | 07/13/2026 | Lender provided the revised AUS including XXX for XXX a month. Condition cleared. | 07/14/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: AVM is required and is missing. CU = No Findings Returned. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/24/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/25/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. CU score of XX/XX/XXXX exceeds max of XX/XX/XXXX | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Please see attached; Invalid — all of this documentation was provided in the original loan file | 08/06/2026 | Lender provided the Taxes for the newly purchased property located at XXX. Condition cleared. ; Audit reviewed the lender’s response. Please provide the Tax and insurance for the newly purchased property located at XXX. (LE dated XX/XX/XXXX) The LE provided does not break down the tax, insurance. Condition retained. | 08/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. Condition cleared. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines.; AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 727 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX DU provided Accept Eligible findings with DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE1296 | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing. Missing evidence of OTHER income of XXX monthly | Revised; Revised | 07/21/2026 | Lender provided a revised AUS/XX/XX/XXXX removing the other income. DTI within tolerance. Condition cleared. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Invalid — these documents were already provided | 07/08/2026 | Lender provided verification of taxes, insurance, and/or HOA fees for non-subject properties. Condition cleared. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | Third party valuation product provided within tolerance. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 766 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. Condition cleared. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 766 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Rescinded | FCRE1448 | Credit | Asset XXX Expired | Asset XXX Expired. Resolved as statement is an Annual statement, good till XX/XX/XXXX | Hi there, you had issued the same finding for our loan number XXX and you were able to clear it using the XXX Annual statement. Can this one be cleared as well? Thanks! | 07/09/2026 | Statement is a life insurance policy cash surrender value showing the current balance which is acceptable per FNMA, provided it adequately documents the available cash value and meets the asset documentation requirements. If the cash value is being used for reserves only, the policy does not need to be liquidated. The lender must simply document the available cash surrender value. A current statement from the insurance company showing the cash value is sufficient. Condition Rescinded. | 07/10/2026 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 761 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2026 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert. | Tax Cert for XXX XXX ; Property Tax cert | 06/24/2026 | Property Tax Cert Provided for XXX XXX, XXX Condition cleared.; Lender provided a property profile for XXX. Please provide the tax certification for the subject property located at XXX XXX Condition retained. | 06/25/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 761 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX AVM is required and is missing. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 722 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Please see attached | 07/09/2026 | Documentation provided confirms XXX XXX,XXX doe not belong to the borrower. ; All Fraud Report Alerts have been cleared or None Exist.; Possible un-disclosed property. XXX XXX. XXX, XXX. Please provide a property profile showing no ownership or revised XX/XX/XXXX/AUS. Additional conditions may apply. | 07/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report Missing in file | Third Party Fraud Report is provided. (See additional condition added). | 07/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The Final Approval and final AUS show that the lender calculated a total XXX in income consisting of XXX in base employment income and XXX in net rental income from the subject property at XXX. No rental income was considered from the other XXX properties identified on the Final XXX The lender identified a total of XXX in Monthly Rental Income from Form XXX from XXX, which is the full XXX% rental income, however the lender divided the PITI in half, but the subject property is solely owned by the borrower and is not owned by the co-owner of XXX. The lender then subtracted out half of the total PITIA of XXX from XXX to arrive at $XXX. The audit, however, calculated half of the total XXX rents of $XX/XX/XXXX months — full PITIA of XXX = ($XXX). In addition, the audit included the calculations for the XXX additional REO properties owned by the borrower alone or borrower and spouse under XXX. Therefore, the DTI exceeded the AUS DTI. | Please see attached; Please see our response attached. | 07/22/2026 | Lender provided a revised AUA/XX/XX/XXXX. Rental income removed from the subject property since the borrower does not own. DTI XXX% is within tolerance of the revises AUS provided. Condition cleared. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Upon further review, REO’s are showing on form XXX and can be excluded. Audit calculations are as follows: Subject XXX Other Liabilities $XXX, Other Net Rental Loss REO Total: XXX Total Liabilities: $XXX. Borrower Income: $XXX. Revised DTI of XXX which exceeds the lender’s XXX%. Net rental loss on the subject property at XXX. ($XXX). Lender used XXX in Depreciation compared to Form XXX of $XXX. Please provide your calculations for this or a revised AUS/XX/XX/XXXX. Condition retained. | 07/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Rescinded | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Final Approval and final AUS show that the lender calculated a total XXX in income consisting of XXX in base employment income and XXX in net rental income from the subject property at XXX. No rental income was considered from the other XXX properties identified on the Final XXX The lender identified a total of XXX in Monthly Rental Income from Form XXX from XXX, which is the full XXX% rental income, however the lender divided the PITI in half, but the subject property is solely owned by the borrower and is not owned by the co-owner of XXX. The lender then subtracted out half of the total PITIA of XXX from XXX to arrive at $XXX. The audit, however, calculated half of the total XXX rents of $XX/XX/XXXX months — full PITIA of XXX = ($XXX). In addition, the audit included the calculations for the XXX additional REO properties owned by the borrower alone or borrower and spouse under XXX. Therefore, the DTI exceeded the AUS DTI. | Duplicate | 07/20/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Missing Schedule A Title Commitment Supplement updating the proposed amount of insurance. | Final Title | 07/15/2026 | Lender provided the title supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX.; Material | 07/16/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report required by investor overlay. | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 16 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 92 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | XXX received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 92 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report Missing in File | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 92 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 92 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. The PIW was approved per tape data, Non material B grade. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Appraisal Delivery to Borrower | 07/11/2026 | Evidence of appraisal delivery provided.; Material | 07/13/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score of XX/XX/XXXX exceeds maximum of XX/XX/XXXX and requires AVM. | Third party valuation product provided within tolerance. | 07/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report for B1/B2 as required by investor overlay. OFAC search run for B1/B2. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is Missing | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 06/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report not available in the file | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Client overlay Max DTI is XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Lender provided a revised AUS/XX/XX/XXXX reflecting the changes noted. XXX. owned by the XXX, and XXX. full PITIA. Lender provided a property report reflecting XXX is owned free and clear. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing HOA statement for the properties at XXX, XXX, and XXX. If not applicable, a LOE stating there are no HOA dues is required. Missing property report reflecting the property at XXX is owned free and clear. | Please see attached; I asked the underwriting team to take a look, please see their response attached.; XXX evidence no HOA. | | I’m still working on the other two. | 07/14/2026 | Lender provided a revised AUS/XX/XX/XXXX reflecting the changes noted. DTI within tolerance. Condition cleared.; Audit reviewed the lender’s response. Please provide a revised AUS/XX/XX/XXXX reflecting the changes noted. XXX. owned by the XXX, and XXX. full PITIA. Lender provided a property report reflecting XXX is owned free and clear Condition retained. ; Evidence of no HOA for XXX. Pending receipt for XXX, and XXX. Missing property report reflecting XXX is owned free and clear. Condition retained. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. | CCA received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Missing evidence of borrowers XXX exchange funds origination and deposit to title company. Borrower also received over XXX in cash back, these funds must be verified. | Exchange CD | 07/13/2026 | Lender provided the signed settlement statement for the sale of XXX XXX and XXX exchange documentation. Condition cleared.; Lender provided the signed settlement statement for the sale of XXX XXX and XXX exchange documentation. Condition cleared. | 07/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 56 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Not our borrowers | 07/13/2026 | Lender provided a real quest as evidence the property is not our borrower. Condition cleared.; Possible un-disclosed property. XXX ,XXX. Please provide a property profile showing no ownership or revised XX/XX/XXXX/AUS. Additional conditions may apply. | 07/14/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 56 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is required by investor. OFAC search run for B1. | Third Party Fraud Report is provided. (see additional condition added). | 07/14/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 56 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Non XXX Borrower is missing Identification Document. | Borrower is XXX | 07/06/2026 | Lender provided a revised XXX showing borrower XXX is in fact a XXX. Condition cleared. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report Missing | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS. Missing AUS. | AUS | 07/06/2026 | Lender provided the AUS/DU for the subject transaction. Approve/Eligible. Condition cleared. ; AUS is not missing. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 64 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing Patriot Act form verifying which forms of ID were used and signed by verifier. | XXX Patriot ACT; XXX Patriot ACT | 06/24/2026 | US Patriot Act Disclosure or ID provided. Condition cleared.; Lender provided the patriot act disclosure, however does not list the document used. Please provide the disclosure listing the document used to identify. Condition retained. ; Material; Material; Material; Material; Material; Material | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 64 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 64 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk and/or LPA Score do not meet guidelines. Provide required third-party valuation product. | Third party valuation product provided within tolerance. | 06/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 64 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 81 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 81 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is required | Third Party Fraud Report is provided. Condition cleared. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/01/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in File | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in File | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete. 2nd and 3rd pages of Note are missing in the file. | All pages of the Note; Note uploaded and accepted under the duplicate finding for XXX | 07/06/2026 | Lender provided the complete signed Note. Condition cleared.; Audit reviewed the lender’s response. The file only contains page XXX of the note. Please provide the complete signed document. Condition retained. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is XXX Third Party Valuation not provided. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/15/2026 | Acknowledged | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | The loan is QM Safe Harbor because XXX in loan points are bona fide for exclusion. Rate information on page XXX validates this. ; QM | 07/08/2026 | XXX Approved Exception. Condition downgraded to B.; Safe Harbor testing is based on APR, the loan is considered a higher priced covered transaction. It is not the same as QM vs Non QM, it is a test for whether the loan meets safe harbor or falls under rebuttable presumption. Bona fide discount points are only excluded from a points and fees test and no impact on the determination of Safe harbor; The documentation provided shows loan is passing Qualified mortgage testing which review testing agrees with. The loan does not pass Safe Harbor making this a higher priced covered transaction (rebuttable presumption); Material; Material; Material; Material; Material; Material | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | B | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence | 07/07/2026 | Evidence of appraisal delivery provided.; Material; Material; Material; Material; Material; Material | 07/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | B | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | D | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order. | Third Party Valuation Product provided within tolerance. Condition cleared.; Finding remains as the AVM did not pass the XXX% required valuation variance and confidence score was less than XXX% | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | B | C | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Fraud Report for B1 and B2 as required by investor. OFAC searches run for B1 and B2. | Third Party Fraud Report is provided. Condition cleared. | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2026 | Resolved | FCRE9184 | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing the ULI Number on URLA. | ULI | 07/06/2026 | Lender provided the ULI: XXX. Condition cleared. ; Material; Material; Material; Material; Material; Material | 07/07/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX to order AVM. | Condition resolved as we have received the CDA. ; Property/Appraisal Meets Guidelines. | 07/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | HOI | 07/07/2026 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 07/08/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 73 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 73 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 06/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing HOA statement for the property at XXX. Note: XXX is not an acceptable source for verifying HOA dues. Please provide HOA statement for the property at XXX. | HOA | 07/10/2026 | Documentation is sufficient. HOA statement provided. Exception resolved.; Borrower XXX Credit Report is not partially present. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required — XXX to Order. | The TPV came in within tolerance, condition resolved. ; Property/Appraisal Meets Guidelines. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 06/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required. | CDA received within tolerance. Condition cleared.; Finding remains as the AVM value variation is greater than XXX% of lenders value. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Rescinded | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure Required. Refund in the amount of $.XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report fee and the increase of the tax XXX fee from $XXX-$XXX on the XX/XX/XXXX CD. A lender cure of XXX was provided on the final CD but was short XXX to clear the exception. | response; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Credit Report fee and from XXX to XXX for the Tax XXX fee. The loan file does not contain a valid COC for the increase of either fee. The final CD included a cure of XXX the Credit Report fee increase was XXX and the Tax XXX fee increase was $XXX. After the cure is applied, remaining refund due is $XXX. Please provide a COC for either increase in Credit Report fee or Tax XXX fee, or provide an additional cure package for $XXX. | 07/01/2026 | Cure provided on final CD; Exception resolved; Cure provided on final CD; Exception resolved | 07/02/2026 | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/18/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID. | ID verified in loan file | 07/01/2026 | US Patriot Act Disclosure or ID provided. Condition cleared.; Material | 07/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA review completed, no Level XXX findings noted, condition cleared. | 07/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated XXX Disclosure | 06/24/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 06/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. | CDA received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 708 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 06/29/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/22/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on CD XX/XX/XXXX without a COC and from XXX to XXX for the Appraisal fee on LE XX/XX/XXXX. COC in file dated XX/XX/XXXX states appraisal fee increased but does not provide a reason. | COC | 07/15/2026 | Valid COCs provided; exception resolved; Valid COCs provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/21/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence | 07/13/2026 | Evidence of appraisal delivery provided.; Material | 07/14/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Appraisal delivery | 07/14/2026 | Evidence of appraisal delivery provided.; Material | 07/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 83 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCOM1232 | Credit | The Final XXX is Missing | The Final XXX is Missing. The Final XXX is Missing. | XXX; XXX; Duplicate finding | 08/03/2026 | The Final XXX is Present; Please provide the final XXX signed by the borrower, or evidence that allows something else to be signed in lieu of the actual document. Condition retained. | 08/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 83 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | XXX | 07/13/2026 | US Patriot Act Disclosure provided. Condition cleared.; Material | 07/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 83 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 83 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared.; Third Party Fraud Report is provided. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 07/02/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition cleared. ; Third Party Fraud Report is provided. | 07/02/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/01/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Mortgage statement, Tax Bill, HOI Premium for property located at XXX to verify monthly obligation does not exceed XXX Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | XXX PITI | 07/09/2026 | Lender provided Mortgage statement, Tax Bill, HOI Premium for property located at XXX. Condition cleared. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing FNMA UCDP Summary report with scoring. Provide FMNA UCDP summary report with acceptable CU score or third-party valuation product. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. | Third party valuation product provided within tolerance. | 07/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A UCDP Submission Summary Report was not provided in the file. Please provide the UCDP Submission Summary Report. | XXX received within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Finding remains as the value variance is greater than XXX% of appraised value. | 08/11/2026 | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2026 | Rescinded | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Invalid — PIW; No Appraisal sent | 07/13/2026 | PIW in file. exception resolved; Evidence of appraisal delivery provided.; Material | 07/14/2026 | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Resolved | FCRE9178 | Credit | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Borrower(s) FICO score meets guidelines.; Material | 07/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing XXX tax return. | Invalid — XXX extension was provided | 07/17/2026 | Lender provided evidence of an extension for tax year XXX filed electronically. Condition cleared. | 07/20/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing mortgage statement for the property at XXX to verify PI payment. Note: The mortgage with XXX #XXX is not reported on the credit report. Missing HOA statement for the property at XXX. If HOA dues are not applicable, a LOE stating there are no HOA dues is required. | Non Subject Property PITI | 07/09/2026 | Lender provided the mortgage statement for the property at XXX to verify PI payment and evidence of no HOA for the property at XXX verified with the fraud report. Condition cleared. ; Verification of taxes, insurance and HOA Fees provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/02/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/09/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report provided. Possible un-disclosed property. XXX, and XXX. Please provide a property profile showing no ownership or revised XX/XX/XXXX/AUS. Additional conditions may apply. | Borrowers parents own these properties | 07/20/2026 | Lenders property report verify additional property belongs to parents. ; All Fraud Report Alerts have been cleared or None Exist. | 07/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. | 07/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Provide Affiliated XXX disclosure or attestation to show the lender has no affiliates or made no referral of XXX to the affiliates | Affiliated XXX | 07/15/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report for both borrowers. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 760 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance.. Please provide TPV for review | AVM received within tolerance. Condition cleared.; AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/22/2026 | Acknowledged | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | Please provide clarification. This is a purchase transaction for second home and it does not have to meet QM Safe Harbor guidelines. | 07/08/2026 | XXX Approved Exception. Condition downgraded to B.; Mortgages on second homes are not exempt from Safe harbor testing; Material | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | C | A | B | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required | CDA received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | A | B | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | A | B | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required — XXX to Order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/22/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/26/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required — XXX to Order. | AVM received within tolerance. Condition cleared. | 07/02/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/26/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 772 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 772 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing. PUD rider was provided but was not signed. | PUD Rider | 07/20/2026 | PUD Rider was provided fully executed and reviewed as per GLs.; The PUD Rider is Present or is Not Applicable (XXX is PUD). | 07/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/30/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing required Fraud report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis. Missing a Completion Report (1004D) | Recert; Document Uploaded. | 07/13/2026 | Condition resolved as we have received structural XXX cert. verifying no repairs required. ; XXX to approve the valuation “ Subject to” on the appraisal. | 08/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/01/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 08/19/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/30/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The XXX search for the borrower’s XXX, “XXX. is not dated. Please provide a timestamped XXX search for the borrower’s XXX, “XXX. dated no more than XXX calendar days prior to the XXX of XX/XX/XXXX. | I agree with the finding. I uploaded a snippet of XXX to show the VOE was uploaded XX/XX/XXXX. I also provided a current verif. | 07/20/2026 | Condition resolved as we have received evidence of borrowers XXX search date.; Income and Employment Meet Guidelines. | 07/21/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order AVM. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing property report reflecting the properties at XXX and XXX are owned free and clear. Missing HOA statement for XXX. If HOA dues are not applicable, a LOE stating there are no HOA dues is required. | Missing property reports and HOA | 07/10/2026 | Lender provided the property reports reflecting the properties at XXX and XXX are owned free and clear. HOA for XXX. Lender provided an XXX search and Schedule E in file for the HOA dues. (XXX forms). Condition cleared. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 93 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/30/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 93 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/01/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee, less the XXX cure provided at closing. The COC dated XX/XX/XXXX was not deemed valid due to lack of non-specific reasoning for why initial appraisal fee increased. | cure; COC | 07/30/2026 | Cure package provided to the borrower; exception downgraded to a XXX/B; Updated cure amount to $XXX. The COC provided was dated XX/XX/XXXX shows a valid reason for the increase, however the amount disclosed was only XXX and later increased again on a revised LE dated XX/XX/XXXX to XXX without a valid COC; This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). | 07/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/02/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required — XXX to Order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/01/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. | Evidence | 07/13/2026 | Evidence of appraisal delivery provided. | 07/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/07/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy. Provide copy of Flood Hazard Insurance with sufficient coverage for subject property and annual premium not to exceed XXX | Invalid — provided in the original loan file submission | 07/14/2026 | Flood Insurance Policy is fully present. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 85 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV required — XXX to Order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 85 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 85 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/09/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance, condition cleared. ; Third party valuation product provided within tolerance. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 07/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
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Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1345 | Credit | Borrower XXX Lease Agreements Missing | Borrower XXX Lease Agreements Missing. XXX – The lender used a rent payment of XXX (@XXX%=$XXX); however, supporting documentation verifying the XXX rent payment is missing from the file. | Revised Documents; Revised to qualify with full PITI | 08/05/2026 | Lender provided an additional updated AUS/XX/XX/XXXX, removing rental income and adding the property located at XXX-XXX XXX. Final CD provided for XXX P&I XXX. Escrow XXX total XXX compared to Final XXX. DTI of XXX% audit XXX% is within the XXX% tolerance. Condition cleared.; Lender provided a revised AUS/XX/XX/XXXX removing the rental income for XXX. Final XXX under the liabilities shows a mortgage with XXX unpaid balance of XXX and a payment of XXX included in the DTI calculations. Please provide an LOE or revised AUS/XX/XX/XXXX. Condition retained. | 08/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing the required AVM. | CDA received within tolerance. Condition cleared. ; AVM received with value tolerance greater than — XXX% Finding remains. | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 44 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 44 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is required | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product nor provided within tolerance, please upload a Third Party Review | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 07/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX 1Thr | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1480 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing asset documentation in the amount of XXX for account #XXX. | Page XXX of the document provided shows an ending balance of XXX minutes a large deposit and the EMD resulting in a balance of $XXX. ; Please see attached | 07/23/2026 | Upon further review, assets meets G/L Requirements. Condition cleared.; ; Asset Record XXX Does Not Meet G/L Requirements. Statements provided are for checking account ending #XXX. Missing asset documentation in the amount of XXX for account #XXX. Condition retained. ; Asset Record XXX Meets G/L Requirements Or Not Applicable. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX 1Thr | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Reports are required, please upload to the file. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX 1Thr | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX 1Thr | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Rescinded | FCRE9780 | Credit | XXX Purpose Affidavit/Disclosure Missing | XXX Purpose Affidavit/Disclosure Missing. | ; XXX Purpose Affidavit/Disclosure not required. Condition rescinded. | 07/15/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCOM1229 | Credit | XX/XX/XXXX Family Rider is Missing | XX/XX/XXXX Family Rider is Missing. | XX/XX/XXXX Family | 07/14/2026 | Signed XX/XX/XXXX Family rider provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing. | PUD | 07/14/2026 | Signed PUD rider provided. Condition cleared. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Approval | 07/14/2026 | Approval/Underwriting Summary is fully present; Material | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS. | AUS | 07/14/2026 | AUS is not missing. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1180 | Credit | HO-XXX Insurance Policy is Missing | HO-XXX Insurance Policy is Missing. | HO6 | 07/14/2026 | HO-XXX Insurance Policy is fully present. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing. | Deed | 07/14/2026 | The Deed of Trust is Present. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. | Note | 07/14/2026 | The Note is Present. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCOM1232 | Credit | The Final XXX is Missing | The Final XXX is Missing. | Invalid — duplicate finding; XXX | 07/14/2026 | The Final XXX is Present | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM not in file. | CDA received within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Finding remains as the confidence of XXX% exceeds the max variance allowed. | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the XXX | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is after the XXX of XX/XX/XXXX. The HO-XXX effective date of XX/XX/XXXX is after the XXX of XX/XX/XXXX and the disbursement date of XX/XX/XXXX. | Policy in effect at the time of disbursement | 07/21/2026 | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX. Condition cleared. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/09/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing documentation verifying XX/XX/XXXX Mortgage history for XXX REO’s: XXX & XXX. | XXX #XXX | Item #XXX on credit report | | XXX | XXX #XXX | Item #XXX on credit report | 07/21/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) shown on the credit report. Condition cleared. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/14/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete. The Contract expiration date is XX/XX/XXXX. The XXX is XX/XX/XXXX. Audit is unable to locate an addendum to extend the closing date or verbiage to allow additional time beyond the expiration date. | Addendum | 07/24/2026 | Lender provided the signed addendum to extend the closing date to XX/XX/XXXX. Condition cleared. ; Purchase Contract Doc is complete.; Material | 07/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1074 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Subject Property insurance effective date is after the Disbursement date, so we need revised date effective date. | HOI | 07/21/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX. Condition cleared. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: CU score is XXX which is above the requirement of XXX therefore a Third Party Valuation s required. Please upload to the file. | Condition resolved as the AVM meets tolerance. ; Property/Appraisal Meets Guidelines. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing and is required by guidelines, please upload a report to the file. | Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 944 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report. All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 209 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please review and advise what needs to be provided to clear this loan. Thank you | 08/18/2026 | HMDA received — no level XXX discrepancies — condition cleared; XXX to review. Will update with determination. | 08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of XXX to affiliates. | XXX has no affiliates | 08/06/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 08/06/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX to order AVM. | CDA received within tolerance. Condition cleared. ; AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. | 07/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/21/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 947 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). A value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 07/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/15/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/17/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/03/2026 | ULI provided and verified. Condition cleared.; ULI provided and verified. Condition cleared.; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 08/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 08/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM or Desk Review are not provided in file. Scoring not performed on non-UAD form type (XX/XX/XXXX). Provide required third-party valuation product. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 08/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal email | 07/23/2026 | Evidence of appraisal delivery provided.; Material | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Fraud Report with cleared alerts | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | receipt page XXX | 07/24/2026 | Evidence of appraisal delivery provided.; Material | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category | Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. | LOX, refund check, post CD, evidence of receipt | 08/06/2026 | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B | 08/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report in File. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Subject property HOA dues documentation is missing. | HOA | 07/29/2026 | HOA statement provided and reviewed for the subject property at XXX monthly is acceptable. | 07/30/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/30/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR XXX(a)(XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-XXX days prior to the consummation date is required, but missing from the file. It is unclear if the appraisal pdf was included per the document in loan file. | receipt XX/XX/XXXX | 07/23/2026 | Evidence of appraisal delivery provided.; Material | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/16/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Lender provided the AVM within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI XXX%. Approved AUS DTI in file of XXX%. Data Tape DTI is XXX%. Client overlay MAX DTI of XXX% XXX to approve. | DTI > XXX% supported by AUS. Exception downgraded to a level XXX/B. | 08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The mortgage statements (PITI and HOA documentation) and lease agreements for the properties located at “XXX”, “XXX”, and “XXX” are missing. Therefore, Requesting these documents. Note: If properties have no HOA provide Borrower LOE stating No HOA. Additional conditions may apply. | Mortgage Statements and Appraisals including 1007s for rent calculation | 07/27/2026 | Lender provided the mortgage statements (PITI and HOA documentation) and lease agreements for the properties located at :“XXX”, HOA, XXX Mortgage Stmt (T&I), “XXX”, HOA, Mortgage Stmt (T&I), XXX “XXX” XXX No HOA, Mortgage Stmt (T&I). Condition cleared. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report in File. | Lender provided the third party fraud report for the borrower. All high alerts have been cleared. Condition cleared. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is required. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared; Third Party Fraud Report is provided. | 07/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
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Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
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Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is required per guidelines, please upload to the file. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required due to CU score exceeding XX/XX/XXXX | AVM provided within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines. | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/17/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI; ULI | 08/05/2026 | ULI provided and validated. Condition cleared. ; ULI provided and validated. Condition cleared. ; Document provided does not provide the ULI. Condition retained. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided and validated. Condition cleared. ; Document provided does not provide the ULI. Condition retained. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided and validated. Condition cleared. ; Document provided does not provide the ULI. Condition retained. ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 08/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 08/06/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Client Overlay Requires Fraud Reports. OFAC reports run for B1/B2 only. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Unable to verify the XXX & XXX YTD for Base & Overtime Income. Unable to match the employer name between XXX WVOE & Paystubs. | Please see underwriting response attached | 07/30/2026 | Upon further review, the borrower is a union electrician with XXX Borrower has several W2s — In the XXX, the XXXl acts as the permanent employer, but workers are dispatched to different contractors depending on what projects are active. Borrower began new employment with XXX on XX/XX/XXXX per updated XXX confirms a base hourly increase and current OT rate. Pay period for first paystub is from XX/XX/XXXX to XX/XX/XXXX. WVOE’s in file, indicate the end of specific assignments and the file also contains continuous paystubs for each company/projects. This is industry standard for a XXX. Condition cleared. ; Income and Employment Meet Guidelines. | 07/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 875 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to Order. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required. XXX to order | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU results not returned due to non UAD XXX. AVM is required and is missing. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. XXX) Missing supporting documents to verify HOA for REO — XXX. XXX) Missing supporting documents to verify Taxes, Insurance & HOA (If applicable) for XXX — XXX. NOTE: If no HOA provide Borrower LOE or supporting documentation | Online searches such as XXX, XXX, XXX are allowed when the HOA amount is XXX When there are HOA fees, then the actual statement from the borrower needs to be acquired. ; PITI for XXX and No HOA for XXX as well | 08/05/2026 | Lender provided evidence of no HOA XXX. and XXX. Condition cleared.; Lender provided supporting documents to verify Taxes, Insurance for XXX — XXX. Missing evidence of HOA or no HOA for both XXX. XXX. XXX/XXX searches are not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. Condition retained. | 08/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided. Missing annual premium on the subject property insurance policy. Note: The lender used the secondary property insurance for XXX annual premium of XXX for the subject insurance premium. Please provide subject insurance policy reflecting the annual premium. | Hazard. Premium at the top right | 07/23/2026 | Lender provided the Hazard Insurance Policy showing XXX a month. DTI within tolerance. Condition cleared.; Hazard Insurance Policy Partially Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1100 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM provided within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Okay to proceed, UC score not available on this XXX | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU is not returned due to non UAD XXX. AVM is required and is missing. XXX to order. | The TPV was received within tolerances, condition cleared. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). AVM shows a value of XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 07/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). AVM shows a value of $XXX compared to the appraisal of XXX a (-XXX%) variance. DD Firm to order. | 08/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 735 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/20/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Fraud report provided. Possible un-disclosed property. XXX. Please provide a property profile showing no ownership or revised XX/XX/XXXX/AUS. Additional conditions may apply. | Per XXX, owned by XXX, our borrower is XXX. | 08/07/2026 | Lender provided a property profile showing the borrower has no ownership in XXX. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist. | 08/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. | 08/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. XXX to order. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. Partial Hazard Insurance Policy in file. | Hazard Insurance | 07/23/2026 | Lender provided an amended hazard insurance declaration showing sufficient coverage. Condition cleared. ; Hazard Insurance Policy is fully present. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is not returned due to non UAD XXX. TPV is required. | Third Party Valuation Product provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/20/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. DU approval mentions an open HELOC with XXX with a XXX balance but it is an open account and was not attached to any property on the XXX Provide satisfactory explanation and what property this belongs to. Additional conditions may apply. | HELOC is secured against XXX. Please see revised documents attached. | 07/29/2026 | Open HELOC with XXX with a XXX balance but it is an open account and is attached to the property on the updated XXX provided. ; Borrower XXX Credit Report is not partially present. | 07/30/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not provided and is required. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared; Third Party Fraud Report is provided. | 07/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | Printouts are acceptable when there are no HOA fees. They are not acceptable when there is an HOA fee identified on the property. ; No HOA pg XXX | 07/28/2026 | Lender provided the XXX listing – reflecting no HOA Dues. Condition cleared. ; Verification of taxes, insurance and HOA Fees provided.; XXX/XXX searches are not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. Additional conditions may apply. Fraud report does not show information for this property. Condition retained. | 07/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX to order TPV. | Third party valuation product provided within tolerance. | 07/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation is required. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 953 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2026 | Resolved | FCOM1942 | Credit | Missing Form 4506T | The file contains executed XXX-C forms for both borrowers. However, the executed XXX-C for XXX., XXX and Remodeling, is not in the file. | XXX for XXX | 07/28/2026 | Documentation is sufficient. XXX-C provided. Exception resolved.; Material | 07/29/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 953 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Lender to provide credit supplement for mortgage with XXX for the property at XXX or current mortgage statement/taxes, insurance and HOA if applicable. | Please see attached | 08/13/2026 | Lender to provided the Note: XXX Signed Final CD: Tax: XXX Insurance: XXX and Appraisal shows No HOA. Total payment: XXX for XXX. Used lenders more conservative calculation of $XXX. Condition cleared. | 08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Since “no” score was available an AVM is required. and will be ordered by XXX. | XXX received within tolerance, condition cleared. ; Property/Appraisal Meets Guidelines. | 07/30/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 954 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE1316 | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing. | Invalid — this was provided in the original submission | 07/21/2026 | Borrower XXX 3rd Party VOE Prior to Close Was Provided. Condition cleared. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 954 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 961 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE1364 | Credit | Borrower XXX Executed XXX-T Missing | Borrower XXX Executed XXX-T Missing. | Major agencies (XXX, XXX, FHA) explicitly state that a completed and signed Form XXX-C is required only for borrowers whose income is being used to qualify for the loan. If a co-borrower’s income is omitted from the application entirely to qualify, XXX guidelines do not mandate tax transcript verification for that individual.; Invalid — not needed as she is not income qualifying | 08/03/2026 | Upon further review, XXX are only required for borrower’s income used to qualify. Condition cleared. ; Borrower XXX Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX).; XXX or XXX is Required for all per investor overlays. Condition retained. | 08/04/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 937 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in this file. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. XXX to order. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | The TPV came back within guidelines, condition resolved. ; Property/Appraisal Meets Guidelines. | 07/29/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2026 | Resolved | FCRE8611 | Credit | Income/Employment General | Missing IRA vested amount AND documentation verifying withdrawals are allowed. | Invalid — Uploaded IRA Statement acct XXX | **Asset Depletion income is being used to qualify. | ==>Quarterly statement XX/XX/XXXX, balance $ XXX minus Fund required to close $XXX=$XXX / XXX=$XXX as income being used to qualify. | 08/03/2026 | Lender provided the IRA Statement acct XXX ** XXX Asset Depletion income is being used to qualify. ==>Quarterly statement XX/XX/XXXX, balance $ XXX minus Fund required to close $XXX=$XXX / XXX=$XXX. Condition cleared. | 08/03/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in this file. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three XXX days of the loan originator’s application date (or the date creditor received application if loan originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three XXX days after a lender, XXX, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling XXX in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its XXX functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX days after a loan originator receives an application). This test excluded the following days from the XXX day count based on the client preferences configured on the company settings XXX days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings XXX days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its XXX functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-XXX days of application, XX/XX/XXXX. | Counseling sent XXX; The initial application from XX/XX/XXXX was generated without a physical address for the subject property. The address was not assigned until XX/XX/XXXX per the CIC I have included. The initial application is not valid without a complete address. The true initial application date is XX/XX/XXXX and disclosures were sent the same date. All supporting documentation is attached. | 08/13/2026 | HOC List dated within within XXX days of the application date provided; exception resolved ; HOC List dated within within XXX days of the application date provided; exception resolved ; It appears the lender has the property address as lot number on the original application and LE therefore its considered a complete application because the property was known at that time. In addition, there was an LE disclosed on XX/XX/XXXX so it appears the lender considered it a complete application ; Material | 08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. AVM is required and is missing. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated XXX Disclosure | Required Affiliated XXX Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated XXX Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of XXX to affiliates. | ABD | 07/27/2026 | Required Affiliated XXX Disclosure Documentation Provided.; Material | 07/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is Required. XXX to Order | The AVM was received within tolerance, condition cleared. ; Property/Appraisal Meets Guidelines. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order | The AVM was received within tolerance, condition cleared. ; Third party valuation product provided within tolerance. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/22/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI ; ULI | 08/05/2026 | ULI provided and validated. Condition cleared.; ULI provided and validated. Condition cleared.; The Universal Loan Identifier (ULI) is a unique number of XXX to XXX characters that begin with your Legal Identity Identifier. (This is not the loan number). Condition maintained. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 08/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 08/06/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. There is a XXX identity report in the file, but Audit is unable to locate a full fraud report with all parties involved in the transaction checked on the watch lists. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/20/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. — Potential Ownership Issue – Property records indicate that Borrower(s) may be using XXX unidentified mailing address(es) as Owner’s Mailing Address(es). The address(es) is not identified as being XXX with the Borrower(s). Addresses identified: XXX. | Borrowers do not own | 08/07/2026 | Lender provided a property profile showing the borrower has no ownership in XXX. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist. | 08/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. | 08/10/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 891 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/17/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required due to CU Score exceeding XX/XX/XXXX | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 891 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 862 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 862 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 951 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required, CU score is greater the XX/XX/XXXX | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/16/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/27/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 933 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. ; Third Party Fraud Report is provided. | 07/23/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 935 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 948 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/23/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on Data Tape. XXX to approve. | Exception is non-material and graded as level XXX/B. | 08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/20/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party XXX that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party XXX and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party XXX is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party XXX, consistent with §XXX(e)(XXX)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fees. A COC was provided, however deemed not valid due to non specific reasoning. | Post CD with correction to recording fee | 08/06/2026 | PCCD with updated disbursement fees provided; exception resolved ; PCCD with updated disbursement fees provided; exception resolved | 08/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/13/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | eConsent XX/XX/XXXX | 07/30/2026 | Evidence of eConsent is provided.; Material | 07/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | B | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. XXX to order. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 07/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/16/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is Required. XXX to Order. PIW was used at origination, therefore no CU score was generated. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 07/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 959 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/19/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing property report reflecting the property at XXX is owned free and clear. Please provide property report for the property at XXX. Note: HOI has Mortgagee listed. | Invalid — provided in file | 08/03/2026 | Lender provided the credit supplement and fraud report in file shows no liens on XXX. Condition cleared. ; Verification of taxes, insurance and HOA Fees provided. | 08/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI; ULI | 08/05/2026 | ULI provided and validated. Condition cleared. ; ULI provided and validated. Condition cleared. ; The Universal Loan Identifier (ULI) is a unique number of XXX to XXX characters that begin with your Legal Identity Identifier. (This is not the loan number). Condition maintained.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided and validated. Condition cleared. ; The Universal Loan Identifier (ULI) is a unique number of XXX to XXX characters that begin with your Legal Identity Identifier. (This is not the loan number). Condition maintained.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided and validated. Condition cleared. ; The Universal Loan Identifier (ULI) is a unique number of XXX to XXX characters that begin with your Legal Identity Identifier. (This is not the loan number). Condition maintained.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided and validated. Condition cleared. ; The Universal Loan Identifier (ULI) is a unique number of XXX to XXX characters that begin with your Legal Identity Identifier. (This is not the loan number). Condition maintained.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided and validated. Condition cleared. ; The Universal Loan Identifier (ULI) is a unique number of XXX to XXX characters that begin with your Legal Identity Identifier. (This is not the loan number). Condition maintained.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 08/06/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 08/06/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing in this file. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. | 07/16/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2026 | Resolved | FCRE1203 | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report. Provide property profile (documentation) verifying Borrower has no interest in XXX properties. XXX, XXX & XXX, XXX. Additional conditions may apply. | The borrower is a co-owner of both properties. Per the attached documentation, he is not a co-obligor. Since the sole obligor is XXX all XXX expenses are his responsibility. In that case, we should not need anything aside from what I’m uploading. | 08/20/2026 | The borrower is a co-owner of both properties, however, per Notes, and mortgage statements provided, is not a co-obligor. Condition cleared. | 08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received. Other condition added. Condition cleared.; Third Party Fraud Report is provided. | 08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in file | Lender provided the third party fraud report for the borrower(s) All high alerts have been cleared. Condition cleared. | 07/16/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided. | 07/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 07/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/17/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID | Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date |
Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors | Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 1117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/26/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/26/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2026 | Resolved | FCRE5774 | Credit | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing documentation verifying borrowers Mortgage payment for the XXX. Mortgage statement shows Borrowers name and also on credit report. Additional conditions may apply. | Invalid ; Invalid — XXX months 3rd party pays the mortgage was provided. This is the reason why the lender just hit the borrower with the Tax and Insurance. | 08/20/2026 | Lender provided evidence the Mortgage and insurance are paid by another. Not the borrower. Condition cleared.; Lender provided evidence the mortgage is paid by XXX. However, per documentation provided, Monthly tax XXX (county and city) Hazard XXX comes to$ XXX compared to lender’s XXX. DTI will exceeds the investor overlays of XXX% Condition retained. ; Borrower XXX Credit Report is Partially Present. | 08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/03/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required. XXX to order. | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines. | 08/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/03/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/05/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/17/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI. Condition cleared. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 08/18/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 08/18/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 955 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 200 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 07/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 08/05/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/29/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Docs for both findings | 08/17/2026 | Verification of taxes, insurance and HOA Fees provided.; Lender provided the HOA statement for the property at XXX reflecting the monthly HOA dues are $XXX. Evidence the property at XXX is owned free and clear. (Land). Final CD for the following to verify PITIA: XXX XXX, XXX,XXX, XXX, and XXX. Condition cleared.; ; Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing property report reflecting the property at XXX is owned free and clear and insurance policy. Please provide property report and insurance policy for the property at XXX. Missing mortgage statement, tax certificate and insurance policy for the properties at XXX, XXX, XXX, and XXX. Missing HOA statement for the properties at XXX, XXX, XXX, XXX, XXX and XXX. If not applicable, a LOE stating there are no HOA dues is required. ; Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing property report reflecting the property at XXX is owned free and clear and insurance policy. Please provide property report and insurance policy for the property at XXX. Missing mortgage statement, tax certificate and insurance policy for the properties at XXX, XXX, XXX, and XXX. Missing HOA statement for the properties at XXX, XXX, XXX, XXX, XXX and XXX. If not applicable, a LOE stating there are no HOA dues is required. | 08/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 08/28/2026 | XXX is Greater than the Guideline Minimum — XXX of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |