Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

409056314

Closed

2026-04-06 01:21

2026-04-10 11:33

Resolved

1 - Information

Credit

Deficient non-subject rental income documentation.

Resolved-Received updated 1008 removing rental income. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Rental income added by mistake. Please see attached - Seller-XX/XX/XXXX

Open-Provide Rental documentation for property XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Rental income added by mistake. Please see attached - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056314

Closed

2026-04-06 01:18

2026-04-07 10:05

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Received credit supplement for XXXX Payment is escrowed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Provide verification of taxes and insurance for property XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056314

Closed

2026-04-06 03:00

2026-04-07 10:01

Resolved

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Provide Third party market rent estimate document used in the amount of $XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056314

Closed

2026-04-06 01:23

2026-04-07 09:58

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Provide Business Narrative for XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Received Business Narrative.

Investment

Purchase

XXXX

N/A

XXXX

409056298

Closed

2026-04-08 01:00

2026-04-14 14:20

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Received documentation showing primary housing history. Findings XX/XX/XXXX . - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Received bank verification from XXXXX. Requested proof of primary being owned free and clear or VOM showing 12 month pay history. Bank statement provided does not satisfy condition. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Provide VOM to verify primary housing history or proof of being free and clear.

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXX

Second Home

Purchase

XXXX

N/A

XXXX

409056298

Closed

2026-04-08 03:14

2026-04-08 15:27

Waived

2 - Non-Material

Credit

Eligibility

Asset do not meet guidelines

Waived-Exception provided on XXX to allow $XXXX gift of equity on 2nd home, from XXXXX as sellers. - Due Diligence Vendor-XX/XX/XXXX

XXXX

Client elects to waive with the following compensating factors:

64% LTV is below the maximum 90% LTV by 26%.

46.08 % DTI is below the maximum 50% DTI by 3.92%.

Borrower has worked in the same job more than 3 years.

Second Home

Purchase

XXXX

Originator Pre-Close

Yes

XXXX

409056289

Closed

2026-04-10 02:17

2026-08-19 12:03

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset depletion income calculator for Borrower 1 and Borrower 2. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Primary Residence

Purchase

XXXX

N/A

XXXX

409056319

Closed

2026-05-07 04:29

2026-05-14 08:20

Resolved

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document Uploaded. See attached XXXX - XXXX analysis supports the monthly income being used to qualify, of XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attachedXXXXXX analysis supports the monthly income being used to qualify, of XXXX - Due Diligence Vendor-XX/XX/XXXX

Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Provide XXX Short Term Rental Analysis for Short-term rental income (STR) iao XXXX. Additional conditions may apply if the STR doesn't support average monthly income of $XXXX.

- Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 04:23

2026-05-22 10:26

Resolved

1 - Information

Credit

Missing Doc

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

Resolved-Documentation verifying P&I, Taxes, Insurance and HHOA provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - SellerXX/XX/XXXX

Open-Provide lease agreement and mortgage statement for XXXX XXX for XXXXXX,. Also need the same for XXXXX for subject property XXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 00:55

2026-05-22 00:02

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Title Coverage Amount of XXX is Less than Loan Amount Provide coverage on Title in the amount of XXX. Title provided does not have a loan amount listed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 00:55

2026-05-21 23:58

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Requested tax certificate with correct taxes provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Missing Evidence of Property Tax Provide Evidence of Property Tax in the amount of $XXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 02:22

2026-05-20 02:15

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-Requested clarification on open litigations provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. SEE ATTACHED - Seller-XX/XX/XXXX

Open-HOA Questionnaire is Missing or Partial. HOA in open litigation selection was left blank. Provide updated Questionnaire with litigation selection completed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. SEE ATTACHED - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 04:17

2026-05-19 01:06

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-Requested updated XXXX document with correct XXX of $XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. corrected dues too: $XXXX per month and P/I is now just the interest payment of $XXXXX - Seller-XX/XX/XXXX

Open-HOA Fee difference exsits between validated HOA and documents Provide confirmation of HOA fee. Appraisal report lists XXXX; however, 1008 lists HOA fee as $XXXXX. Supporting documentation needed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. corrected dues too: $XXX per month and P/I is now just the interest payment of $XXXXX - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 04:19

2026-05-19 00:46

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Requested updated XXXXdocument with correct P&I provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-TheXXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. corrected dues too: XXXX per month and P/I is now just the interest payment of $XXXXX - Seller-XX/XX/XXXX

Open-TheXXXX document is missing from the loan file. Provide updated XXXX with correctXXX. XXXXin file his XXXlisted as $XXXXXbut correct P&I for the first XXXX months is $XXXXX, - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. corrected dues too: $XXX per month and P/I is now just the interest payment of $XXXXX - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056309

Closed

2026-05-11 05:59

2026-05-15 10:10

Resolved

1 - Information

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA

Resolved-PDI received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Provide Post Disaster Inspection. Property potentially affected by FEMA Disaster IDXXXX. SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES, HI - Declared XX/XX/XXXX with an Incident End Date of XX/XX/XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

XXXX

409056305

Closed

2026-05-19 10:28

2026-05-22 09:54

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Disbursement for HELOC funds provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset XXXXX Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Asset Record XXXX Does Not Meet G/L Requirements Provide documentation to support secured funds used in the amount of XXXXX . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056305

Closed

2026-05-14 07:21

2026-05-21 00:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Requested 3rd party VOE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Open-Borrower X 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE prior to close. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056338

Closed

2026-05-28 07:53

2026-06-22 15:23

Resolved

1 - Information

Credit

Missing Doc

Missing Third Party Market Rent Source (IE. 1007, 1025, etc.)

Resolved-Requested short term rental document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. Provide the XXXX Report to verify short-term rental income of at least $XXXXX

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056338

Closed

2026-05-28 08:54

2026-06-22 15:19

Resolved

1 - Information

Credit

Appraisal deficiency.

Resolved-Address Affidavit provided confirming zip code as XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated appraisal not necessary. Please see attached . - Seller-XX/XX/XXXX

Open-Appraiser zip code is XXXXX, purchase agreement XXXX, not XXXXX. All other documents XXXXX. - Due Diligence Vendor-XX/XX/XXXX

Open-Per Appraisal document property address showing as XXXXX, but per all Closing documents the address is XXXXXX. Provide proof of the subject's actual address and change the loan documentation as applicable. It is noted that the borrower is also purchasing the semi-attached unit, XXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated appraisal not necessary. Please see attached . - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056338

Closed

2026-05-28 08:05

2026-06-09 02:11

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Primary owned by spouse hence considered borrower living as rent free, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Borrowers wife who is not on either loan owns his primary residence so should not have to provide how this property is owned (free & clear or w/ mortgage). - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Provide proof the primary residence is owner free and clear - Due Diligence Vendor-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056338

Closed

2026-06-01 15:04

2026-06-05 09:49

Resolved

1 - Information

Credit

Insurance

Subject Property Address on Note does not match Insured Property Address

Resolved- XX/XX/XXXX Note received - Due Diligence Vendor-XX/XX/XXXX

Open-Per USPS the zip code is XXXXX. This zip code matches the code listed on the title commitment, the final CD, and the appraisal. Provide an updated Note and Mortgage. - XX/XX/XXXX Note received - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Counter- XX/XX/XXXX - Message received advising the Note has been corrected. Please provide the updated/corrected Note - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Note has been corrected. To re-record the mortgage once the recorded document is received from title/ county. Please clear, this will be rectified - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX

Ready for Review-Note has been corrected. To re-record the mortgage once the recorded document is received from title/ county. Please clear, this will be rectified - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056338

Closed

2026-05-28 08:29

2026-06-03 02:33

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-Condo is aXXX unit condo hence no questionnaire is required, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXX unit condo projects are waived reviews. The SEO concentration and questionnaire you are referring to are not required for a project this size.

- Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-HOA Questionnaire is Missing or Partial. The subject appears to be at least a semi-attached condominium. The project appears to be non-warrantable since there are only 2-units and both were urchased by the borrower as investments. This would make the project inieligible based on XXXXXXX s lending saturation requirements, which state that an individual condo project not to exceed 25% of the units in any one project. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-2-10 unit condo projects are waived reviews. The SEO concentration and questionnaire you are referring to are not required for a project this size.

- SellerXX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A

XXXX

409056339

Closed

2026-06-02 12:23

2026-06-22 09:26

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV Requirements

Waived-Client elects to waive with the following compensating factors:

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Client elects to waive with the following compensating factors:

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Audited CLTV of XX% exceeds Guideline CLTV of 75% Per guidelines dated XX/XX/XXXX , the borrower eligibility section says if the borrower(s) is a first time investor, the maximum LTV allowed is 75%. Provide proof the borrowers would be considered experienced investors. - Due Diligence Vendor XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXX

DSCR ratio of 1.51 exceeds the minimum requirement of 1 by 0.51 points

755 Representative credit score exceeds the minimum required of 700 by 55 points

0x30 mortgage history for 56 months

Investment

Purchase

XXXX

Originator Post-Close

Yes

XXXX

409056339

Closed

2026-05-29 03:42

2026-06-04 00:35

Resolved

1 - Information

Credit

Missing subject rental income documentation

Resolved-Requested short term rental documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Provide the Opteon Report to support short term rental income of no less than $XXXXX. DSCR calculator on page XXXX

- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXX

Investment

Purchase

XXXX

N/A