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

1000612100

Closed

2025-11-12 05:40

2025-11-19 02:28

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Initial and Final Business Purpose document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. Both Initial and Final date Signed Business Purpose Affidavit Disclosure is missing in file.
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

6219617

N/A

XXXX

1000601792

Closed

2025-11-13 15:22

2025-11-28 13:19

Resolved

1 - Information

Compliance

Fees:Limited

North Carolina - Fees Limitation

Resolved-Resolved state specific fail. Client clarification has been received - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please waive - Investor is including the bona fide discount points in the threshold, but bona fide discount points are authorized by the statute.  - Buyer-XX/XX/XXXX
Open-Fees paid to lender exceed the threshold. Under the North Carolina Interest Provisions, on a first lien closed end loan less than $XXX,XXX, lender fees not specifically authorized by statute are limited to ($XXX.XX), which is the greater of X/X of X% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($X,XXX.XX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (N.C. Gen. Stat. XX-X.XA(c)(X); XX-X(d); XX-XX(d))  Fees paid to lender exceed the threshold. Under the North Carolina Interest Provisions, on a first lien closed end loan less than $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved state specific fail. Client clarification has been received - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.XXX

Primary Residence

Purchase

6244346

N/A

XXXX

1000601792

Closed

2025-11-13 23:13

2025-11-26 12:11

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Home Owner Counseling Document Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX
Open-Required Consumer Caution and Home Owner Counseling document is missing from file - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXXXXXXX XXXXXXXXXX.XXX

Primary Residence

Purchase

6247683

N/A

XXXX

1000601792

Closed

2025-11-13 23:13

2025-11-26 12:11

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Resolved-Homeownership counseling disclosure doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX
Open-Required Homeownership Counseling Disclosure document is missing from file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX

XXXXXXX XXXXXXXXXXXXX XXXXXXXXXX.XXX

Primary Residence

Purchase

6247689

N/A

XXXX

1000601792

Closed

2025-11-13 14:13

2025-11-25 02:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE Prior to Close Provided
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please review upload -
Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing Section X.X.X
of guidelines require a VVOE to be completed within XX business days
of closing - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXXXXXX.XXX

Primary Residence

Purchase

6243085

N/A

XXXX

1000601762

Closed

2025-12-09 06:55

2026-02-02 09:25

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Document Uploaded.  - Buyer-XX/XX/XXXX
Resolved-Finding added for Business Narrative missing in file, Provided XXX which is sufficient, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please review the attached XXX, which lists the borrower’s ownership of both businesses in lieu of a business narrative. Kindly clear this finding. - Buyer-XX/XX/XXXX
Open-Missing Business Narrative for both businesses - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXX.XXX
XXX XXXXXX.XXX
XXXXXXXXX-XXXXXXXX-XXXXXXXXX XXXXXXX.XXX

Primary Residence

Purchase

6543932

N/A

XXXX

1000601762

Closed

2025-12-11 17:27

2026-01-22 08:58

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-proof of gift provided- resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the proof of gift. - Buyer-XX/XX/XXXX
Open-Proof of gift funds is missing in file, gift letter provided for $XXXXX on page XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-proof of gift provided- resolved - Due Diligence Vendor-XX/XX/XXXX

XXX XX,XXX.XX XXX XXXX-XX-XX XX-XX-XX.XXX

Primary Residence

Purchase

6594195

N/A

XXXX

1000601762

Closed

2025-12-09 06:19

2025-12-11 17:33

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6543707

N/A

XXXX

1000601774

Closed

2025-12-24 15:24

2026-02-09 16:28

Waived

2 - Non-Material

Credit

Eligibility

Excessive Seller Contributions

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-We approve this exception.  XX% LTV is below the maximum XX% LTV by X%. XXX Representative credit score exceeds the minimum required of XXX by XX points. X.XX% DTI is below the maximum XX% DTI by XX.XX%.  Please escalate if you cannot clear this.  Thank you, - Buyer-XX/XX/XXXX
Counter-On a primary residence, if the interested party contribution exceeds the allowed X%, the amount over X% must be applied as a principal reduction, not counted toward closing costs or prepaid items.
That excess cannot be refunded to the buyer or used to pay additional costs.  PCCD applying the principle reduction is required. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Actual interested party contribution is slightly over guidelines at X.XX% Vs. X% max. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Actual interested party contribution is slightly over guidelines at X.XX% Vs. X% max - Exception made to clear this one - Buyer-XX/XX/XXXX
Open-The seller $XXk and realtor credit $XX,XXX.XX = $XX,XXX.XX exceed X% max contribution $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

XX% LTV is below the maximum XX% LTV by X%. XXX Representative credit score exceeds the minimum required of XXX by XX points. X.XX% DTI is below the maximum XX% DTI by XX.XX%.

Primary Residence

Purchase

6796909

Investor Post-Close

XXXX

1000601794

Closed

2025-12-30 08:12

2026-01-21 08:05

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Document reviewed and verified. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. borrower has $XXXk in available funds in the HELOC and that satisfies the remaining reserves that are required. We have proof of X.XX months of the X required, the borrower did not withdraw the funds from the HELOC since they are reserves and not funds needed to close. - Seller-XX/XX/XXXX
Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) There are Shortage of Funds -$X,XXX.XX, Need additional Assets to meets required Reserves - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. borrower has $XXXk in available funds in the HELOC and that satisfies the remaining reserves that are required. We have proof of X.XX months of the X required, the borrower did not withdraw the funds from the HELOC since they are reserves and not funds needed to close. - Seller-XX/XX/XXXX

Resolved-Document reviewed and verified. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXX.XXX

Primary Residence

Purchase

6849323

N/A

XXXX

1000601794

Closed

2025-12-30 07:06

2026-01-07 09:33

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Documents provided verified VOM. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. borrower owns and does not rent. XXXX showing owned attached. Credit report and mortgage statements attached to show VOM. - Buyer-XX/XX/XXXX
Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide VOR for Borrower X. Per Final Application borrower is renting. Document was not provided in file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documents provided verified VOM. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXX.XXX
XXXX XX XXXXXX.XXX
XX.XXX

Primary Residence

Purchase

6848685

N/A

XXXX

1000601794

Closed

2025-12-30 08:10

2026-01-07 09:26

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Attorney Fee (Fee ID: 998)

Resolved-XX fees allowable as fees were paid in Section H. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Note from seller: "Our Compliance Manager reviewed this condition and stated there doesn’t appear to be an issue here. Can you please advise which fee you are referring to?  The fees charged in section H on the CD were charged for the borrower and seller’s own personal representation which is allowed.  There was a settlement fee charged to the buyer in the Title Section – not to the seller." Please waive this condition  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Attorney Fee (Fee ID: XXX) to be charged to the Seller in XX. Attorney Fees not Allowed by XX state - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Note from seller: "Our Compliance Manager reviewed this condition and stated there doesn’t appear to be an issue here. Can you please advise which fee you are referring to? The fees charged in section H on the CD were charged for the borrower and seller’s own personal representation which is allowed. There was a settlement fee charged to the buyer in the Title Section – not to the seller." Please waive this condition - Seller-XX/XX/XXXX

Resolved-XX fees allowable as fees were paid in Section H. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

6849296

N/A

XXXX

1000601794

Closed

2025-12-30 07:06

2026-01-07 04:19

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is Expired, Provided a report that is within XX days of closing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXX XXXXXX.XXX

Primary Residence

Purchase

6848686

N/A

XXXX

1000601794

Closed

2025-12-30 07:06

2026-01-07 04:19

Resolved

1 - Information

Credit

Closing

Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is Expired, Provide a credit report that is within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report provided. Resolved - Due Diligence
Vendor-XX/XX/XXXX

XXXXXX XXX XXXXXX.XXX

Primary Residence

Purchase

6848687

N/A

XXXX

1000603674

Closed

2026-01-23 04:53

2026-01-30 10:25

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-We DO NOT need COCs for lender credit INCREASES - Seller-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Missing Change in Circumstance form for the Lender credit increase from $X to $XX X/XX/XX.  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-We DO NOT need COCs for lender credit
INCREASES - Seller-XX/XX/XXXX

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

Primary Residence

Refinance

Cash Out - Other

7262847

N/A

XXXX

1000603674

Closed

2026-01-23 02:16

2026-01-30 02:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing is missing.
- Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7262154

N/A

XXXX

1000603674

Closed

2026-01-23 04:53

2026-01-30 10:26

Resolved

1 - Information

Compliance

HigherPriced:APR

Massachusetts - Higher Priced Mortgage Loan

Resolved-XXXXXXXXXXXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XX CFR XXXXX.XX constitutes compliance with XXX XXX XX.XX. This first lien closed end conforming loan secured by a X-X primary dwelling is a XXXXXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the (X.XX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXX XXX XX.XX; XX CFR XXXXX.XX(a)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open-. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-XXXXXXXXXXXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XX CFR XXXXX.XX constitutes compliance with XXX XXX XX.XX. This first lien closed end conforming loan secured by a X-X primary dwelling is a XXXXXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the (X.XX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXX XXX XX.XX; XX CFR XXXXX.XX(a)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXXXXXXXXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XX CFR XXXXX.XX constitutes compliance with XXX XXX XX.XX. This first lien closed end conforming loan secured by a X-X primary dwelling is a XXXXXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the (X.XX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXX XXX XX.XX; XX CFR XXXXX.XX(a)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-XXXXXXXXXXXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XX CFR XXXXX.XX constitutes compliance with XXX XXX XX.XX. This first lien closed end conforming loan secured by a X-X primary dwelling is a XXXXXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the (X.XX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXX XXX XX.XX; XX CFR XXXXX.XX(a)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7262848

N/A

XXXX

1000603674

Closed

2026-01-23 04:53

2026-01-30 10:26

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open-. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

7262846

N/A

XXXX

1000601820

Closed

2026-01-26 07:17

2026-02-19 11:27

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Revised CD and COC form missing from loan package provided and updated to loan review. PC Mavent is passing resolved.  - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached  - Seller-XX/XX/XXXX
Counter-This loan failed the charges that cannot increase test due to the points fee that increased from $XX,XX.XX on the initial CD to $XX,XXX on the final CD issued X/XX/XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. COC for points being $XX,XXX final CD has points less than disclosed on COC. Nothing additional needed please waive.  - Seller-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.   - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. COC for points being $XX,XXX final CD has points less than disclosed on COC. Nothing additional needed please waive. - Seller-XX/XX/XXXX

Resolved-Revised CD and COC form missing from loan package provided and updated to loan review. PC Mavent is passing resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX.XXX
XXX XXXX XXXX XX.XXX
XXX - XXXXXX XX XXXXXXXXXXXX.XXX
XX X-X.XXX
XX X-X.XXX

Primary Residence

Refinance

Cash Out - Other

7291349

N/A

XXXX

1000601820

Closed

2026-01-30 19:02

2026-02-19 11:24

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Client provided revised CD missing from initial loan package. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. it was a cd issued X/X see attached - Seller-XX/XX/XXXX
Open-Per COC form provided in the finding for the tolerance fail, a revised LE was issued on X/X/XX. This LE in not in the loan package provided. Provide LE issued X/X/XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. it was a cd issued X/X see attached - Seller-XX/XX/XXXX

Resolved-Client provided revised CD missing from initial loan package. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XX X-X.XXX

Primary Residence

Refinance

Cash Out - Other

7384486

N/A

XXXX

1000601820

Closed

2026-01-26 07:17

2026-02-19 11:22

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. PC Mavent is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see pccd with disbursement date of X/XX - Buyer-XX/XX/XXXX
Counter-The sub prop is located in a dry funding state. The Notice of Right to Cancel disclosure provided is dated X/XX/XX. The cancelation date is X/XX/XX. The disbursement/funding date per the final CD provided is X/XX/XX. The borrower did not get the full recession period. Provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-loan closed on X/XX (Monday), three day wait period was Tuesday(XX), Wednesday(XX) & Thursday(XX). Loan disbursed on X/XX. Please waive this condition. It is unnecessary.  - Buyer-XX/XX/XXXX
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) This loan failed the TILA right of rescission test. because the per the ROR dated X/XX/XX the cancellation date is X/XX/XX and the disbursement date per final CD is X/XX/XX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. PC Mavent is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX

XXXX _ XXXX XXXXXXXXXXXX XX (X).XXX

Primary Residence

Refinance

Cash Out - Other

7291351

N/A

XXXX

1000601820

Closed

2026-01-26 06:20

2026-01-30 18:54

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-XXXX with corrected FICO score provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see updated XXXX reflecting XXX score  - Seller-XX/XX/XXXX
Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX does not match the Qualifying FICO value from the Credit Liabilities Page. Provide a XXXX with the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see updated XXXX reflecting XXX score - Seller-XX/XX/XXXX

Resolved-XXXX with corrected FICO score provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX - XXXXXXXXXXX XXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7290904

N/A

XXXX

1000603720

Closed

2026-02-09 00:36

2026-02-19 10:08

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-Finding resolved. Allowed up to XX days from post closing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document provided after closing is ok to use per GL  - Buyer-XX/XX/XXXX
Counter-Credit report received more than XX business days from the closing date. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Gap Credit Report  is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXXXX - Credit Refresh attached  - Buyer-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). The credit recent activity report on pg#XXX is more than XX days from note date. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Finding resolved. Allowed up to XX days from post closing. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Gap Credit Report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX - XXXXXX XXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7509628

N/A

XXXX

1000603738

Closed

2026-02-17 15:43

2026-02-18 19:40

Acknowledged

2 - Non-Material

Credit

Missing Doc

Business Purpose Affidavit is Missing

Acknowledged-XX Acknowledges that only the initial Business Purpose Affidavit is Missing,. The Final Business Purpose Affidavit is Present in File and supports the property as an investment. - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit is Missing, Final Business Purpose Affidavit is Present in File and supports the property as an investment. - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

7662671

Investor Post-Close

XXXX

1000603738

Closed

2026-02-12 02:02

2026-02-18 19:39

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Housing History per program guidelines

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved - Buyer-XX/XX/XXXX
Open-Housing History Does Not Meet XXXXXXXXX Requirements EXCEPTION on page XXX APPROVED FOR LIVING RENT FREE WITH XXXXXXXX. Recommend waiving - Due Diligence Vendor-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

Credit Score is XXX. Minimum required per guidelines is XXX.
Borrower(s) have XXX.XX months Reserves. Minimum required per guidelines is X months.
LTV XX.XX max per guidelines is XX%

Investment

Refinance

Cash Out - Other

7575757

Investor Post-Close

XXXX

1000674924

W26010536

Closed

2026-03-16 09:22

2026-03-25 11:38

Cured

2 - Non-Material

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Cured- - Due Diligence Vendor-XX/XX/XXXX
Cured- - Due Diligence Vendor-XX/XX/XXXX
Cured- - Due Diligence Vendor-XX/XX/XXXX
Cured- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Cured. Received a PCCD reflecting the $XX.XX Lender Credit, letter to borrower explaining the $XX.XX cure, copy of the check to the borrower and a XXXXX label where $XX.XX check was sent to the borrower. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. See attached PPCD / letter to borr / XXXXX tracking to borr / copy of check  - Seller-XX/XX/XXXX
Counter-The Initial Closing Disclosure dated XX/XX/XXXX reflects a lender credit of $XX.XX; however, the Final Closing Disclosure dated XX/XX/XXXX and the Post-Closing Disclosure dated XX/XX/XXXX reflect $X.XX in lender credits.

Per TRID requirements (XX CFR XXXX.XX(e)(X), lender credits disclosed on a Closing Disclosure may not decrease unless there is a valid changed circumstance and a corresponding revised disclosure issued in compliance with timing requirements.

Additionally, once a lender credit is applied to cure a tolerance violation, it must remain reflected on the final Closing Disclosure.

To cure this deficiency, please provide:

Evidence of a valid changed circumstance supporting both:
The increase in the appraisal fee, and
The subsequent removal of the $XX.XX lender credit. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached PPCD / letter to borr / XXXXX tracking to borr / copy of check - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Cured- - Due Diligence Vendor-XX/XX/XXXX

XXX - XXXXXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXXX XXXXXXXX XXXXX XX XXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXXXX XX XXXXXXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXX XX XXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8124380

N/A

XXXX

1000674924

W26010536

Closed

2026-03-16 09:22

2026-03-23 09:11

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Ready for Review-Resolved. COC dated XX/XX/XXXX, received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. See attached PCCD, letter to borr, fedex label to borr and copy of cure check for $XX - Seller-XX/XX/XXXX
Counter-The Initial Closing Disclosure dated XX/XX/XXXX reflects a lender credit of $XX.XX; however, the Final Closing Disclosure dated XX/XX/XXXX and the Post-Closing Disclosure dated XX/XX/XXXX reflect $X.XX in lender credits.

Per TRID requirements (XX CFR XXXX.XX(e)(X), lender credits disclosed on a Closing Disclosure may not decrease unless there is a valid changed circumstance and a corresponding revised disclosure issued in compliance with timing requirements.

Additionally, once a lender credit is applied to cure a tolerance violation, it must remain reflected on the final Closing Disclosure.

To cure this deficiency, please provide:

Evidence of a valid changed circumstance supporting both:
The increase in the appraisal fee, and
The subsequent removal of the $XX.XX lender credit. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See attached PCCD, letter to borr, fedex label to borr and copy of cure check for $XX - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXX - XXXXXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXX XX XXXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXXXX XX XXXXXXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXXX XXXXXXXX XXXXX XX XXXX.XXX
XXXX - XXXXXXX_XXXXXX_XXXXXXXXX - XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8124383

N/A

XXXX

1000674924

W26010536

Closed

2026-03-16 09:22

2026-03-19 09:38

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Resolved. Post Close Closing Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is the same day as the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The loan disbursement date (XXXX-XX-XX) is the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Post Close Closing Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8124385

N/A

XXXX

1000674924

W26010536

Closed

2026-03-16 09:22

2026-03-16 10:28

Resolved

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

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

Primary Residence

Refinance

Cash Out - Other

8124382

N/A

XXXX

1000674924

W26010536

Closed

2026-03-10 08:14

2026-03-16 09:14

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Resolved. Initial Closing Disclosure received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure. Initial closing disclosure missing from file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Initial Closing Disclosure received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXXXXX XXXXXXX - XXXXXX (X).XXX

Primary Residence

Refinance

Cash Out - Other

8015968

N/A

XXXX

1000674988

TA26020061

Closed

2026-03-10 10:44

2026-03-26 16:49

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Approval certificate was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Loan Approval is missing in file.  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Approval certificate was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8020264

N/A

XXXX

1000674988

TA26020061

Closed

2026-03-10 09:00

2026-03-26 16:48

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-XXXX Completion Report is Missing XXXX document is missing in file.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX

XXXXX.XXX

Investment

Refinance

Cash Out - Other

8016921

N/A

XXXX

1000674988

TA26020061

Closed

2026-03-10 09:18

2026-03-17 08:30

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Updated Citizenship Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Borrower X Citizenship Documentation Is Missing Provided ID of BX on pg-XXX is expired.  - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXX XX.XXX

Investment

Refinance

Cash Out - Other

8017338

N/A

XXXX

1000674950

SC26020228

Closed

2026-03-31 12:01

2026-04-01 08:14

Resolved

1 - Information

Credit

Borrower

Potential Occupancy/Current Address Issues identified in the file

Resolved-Updated XXXX provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final XXXX showing no intent to occupy - Seller-XX/XX/XXXX
Open-The Occupancy on the XXXX Page is 'Investment' but one or more of the Borrowers has indicated an intent to occupy the property as a Primary Residence. Confirm the correct selections have been made. The Occupancy on the XXXX Page is 'Investment' but one or more of the Borrowers has indicated an intent to occupy the property as a Primary Residence. Please provide correct information for occupancy of the subject property. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final XXXX showing no intent to occupy - Seller-XX/XX/XXXX

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

XXXXX XXXX - XXXXXXXXXX.XXX

Investment

Purchase

8408633

N/A

XXXX

1000674944

BCS26020601

Closed

2026-03-17 00:56

2026-03-20 15:37

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Loan approval received; Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Loan Program document is missing. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Loan approval received; Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX (X).XXX

Investment

Refinance

Cash Out - Other

8142233

N/A

XXXX

1000674946

W25120162

Closed

2026-03-18 08:36

2026-03-25 22:28

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-The documentation received was sufficient to resolve the finding.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-The maximum pre-payment is $XX,XXX. The document provided shows less than that. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Prepayment penalty on HUD shows $X,XXX but calculation is $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX
Rescinded-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. HUD shows prepayment penalty as $XXXX. Page XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX
Rescinded-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. HUD shows prepayment penalty as $XXXX. Page XXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX.XXX
XXXXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8180536

N/A

XXXX

1000674952

RC26010470

Closed

2026-03-18 02:13

2026-03-26 09:18

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Requested Spousal consent 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.  - Seller-XX/XX/XXXX
Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as personal guaranty is in file . - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Spousal consent document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXX - XXXXXX XXXXXXXX - XXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8175472

N/A

XXXX

1000674952

RC26010470

Closed

2026-03-19 00:34

2026-03-20 04:59

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Lender Approval Form is missing in the file  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8203223

N/A

XXXX

1000675002

W26020174

Closed

2026-03-19 01:20

2026-03-25 10:49

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Updated Hud provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment $XX,XXX not matching with HUD $X,XXX. provided updated document to reflect correct prepayment - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Hud provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXX XXX.XXX

Investment

Purchase

8203432

N/A

XXXX

1000675016

W26020255

Closed

2026-03-24 11:43

2026-03-27 07:26

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-HUD uploaded - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please upload the documentation to cure the finding - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The Final HUD currently reflects a maximum prepayment penalty of $XX,XXX.XX. Per the note, the maximum allowable penalty is $XX,XXX.XX. Please supply a corrected HUD statement showing the accurate maximum prepayment penalty. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8291472

N/A

XXXX

1000675014

W26020257

Closed

2026-03-24 07:16

2026-03-26 10:38

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Resolved. Final HUD-X revised to match the maximum prepayment penalty amount from the Note Addendum. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. HUD shows Prepayment penalty amount of $XX,XXX whereas note addendum pg#XXX considering exceeding the maximum prepayment penalty amount $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Final HUD-X revised to match the maximum prepayment penalty amount from the Note Addendum. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXX (X).XXX

Investment

Refinance

Cash Out - Other

8283866

N/A

XXXX

1000675014

W26020257

Closed

2026-03-24 11:14

2026-03-25 10:33

Resolved

1 - Information

Credit

Deficient subject rental income documentation.

Resolved-Resolved. XXXX statements and transaction details provided verifying proof of X months current rent payments received ($X,XXX). - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing documentation of X months current proof of receipt of the higher rental income. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. XXXX statements and transaction details provided verifying proof of X months current rent payments received ($X,XXX). - Due Diligence Vendor-XX/XX/XXXX

XXXXX _ XXXX XXXXXXXX (X).XXX
XXXXX _ XXXX XXXXXXXX (X).XXX
XXXXX _ XXXX XXXXXXXX (X).XXX
XXXXX _ XXXX XXXXXXXX (X).XXX

Investment

Refinance

Cash Out - Other

8289598

N/A

XXXX

1000675014

W26020257

Closed

2026-03-24 12:22

2026-03-25 10:21

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Resolved. XXXX provided with revised qualifying credit score (XXX).  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Qualifying FICO on XXXX does not match Qualifying FICO per XXXXXXXXXX.  Please confirm the correct Qualifying FICO. Per XXXX program guidelines, qualification is based on the higher credit score among all borrowers (lower of two or middle of three). The file reflects the use of the lowest middle score (XXX); however the highest middle score is XXX. Provide revised XXXX with revised qualifying FICO. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. XXXX provided with revised qualifying credit score (XXX). - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX (X).XXX

Investment

Refinance

Cash Out - Other

8292401

N/A

XXXX

1000675018

BC26010006

Closed

2026-03-23 00:40

2026-03-26 11:53

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Updated Hud Rec'd reflecting correct PPP - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment is $XX,XXX vs $XX,XXX in HUD. Provide updated HUD to reflect correct Prepayment - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Updated Hud Rec'd reflecting correct PPP - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8255743

N/A

XXXX

1000675030

W26020212

Closed

2026-04-09 15:40

2026-04-09 15:43

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline requirements

Waived-Exception has been provided and finding has been waived.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Due Diligence Vendor-XX/XX/XXXX
Open-Audited FICO of XXX is less than XXXXXXXXX FICO of XXX The guidelines state that the minimum credit score for this loan is XXX. Unable to locate exception in the file. Please provide exception.  - Due Diligence Vendor-XX/XX/XXXX

Document Uploaded. - XX/XX/XXXX

Waived-Exception has been provided and finding has been waived. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXX XXXXXXXX (X).XXX

$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum; XXXX ratio of X.XX exceeds the minimum requirement of X by X.XX points.; Investor has X years of experience with investment properties.

Investment

Refinance

Cash Out - Other

8582530

Originator Pre-Close

Yes

XXXX

1000675030

W26020212

Closed

2026-03-25 11:54

2026-04-03 08:16

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Waiting on document with borrower signature. - Due Diligence Vendor-XX/XX/XXXX
Counter-The Note is Incomplete The Note is Incomplete The promissory note provided in the file is not consistent with the loan terms reflected by the payment calculation. While the note indicates that the monthly payment is principal and interest, the stated payment amount does not amortize the loan. Based on a loan amount of $XXX,XXX and an interest rate of X.XXX%, the documented payment of $X,XXX.XX represents an interest-only payment, not a fully amortizing principal and interest payment. This discrepancy is supported by multiple indicators within the file. Additionally, the note was not executed as an interest-only loan, creating a mismatch between the stated payment terms and the actual payment reflected. Please clarify the loan structure and provide a corrected, fully executed note that accurately reflects the payment terms, or supporting documentation explaining the discrepancy. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. We are in the process of getting the corrected Note signed by the borrower.  - Seller-XX/XX/XXXX
Open-The Note is Incomplete The promissory note provided in the file is not consistent with the loan terms reflected by the payment calculation. While the note indicates that the monthly payment is principal and interest, the stated payment amount does not amortize the loan. Based on a loan amount of $XXX,XXX and an interest rate of X.XXX%, the documented payment of $X,XXX.XX represents an interest-only payment, not a fully amortizing principal and interest payment. This discrepancy is supported by multiple indicators within the file. Additionally, the note was not executed as an interest-only loan, creating a mismatch between the stated payment terms and the actual payment reflected. Please clarify the loan structure and provide a corrected, fully executed note that accurately reflects the payment terms, or supporting documentation explaining the discrepancy.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. We are in the process of getting the corrected Note signed by the borrower. - Seller-XX/XX/XXXX

Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXXX XXXX.XXX
XXXXXXXX XXXX .XXX

Investment

Refinance

Cash Out - Other

8314324

N/A

XXXX

1000675030

W26020212

Closed

2026-03-25 08:55

2026-03-30 07:51

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Corrected HUD updated - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The maximum prepayment penalty on the HUD-X statement is $XX,XXX. According to the terms of the prepayment rider the maximum prepayment penalty is $XX,XXX. Please provide accurate HUD-X supporting the maximum penalty.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Corrected HUD updated - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8309451

N/A

XXXX

1000675008

TA25120197

Closed

2026-03-23 02:19

2026-03-26 07:20

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Requested Loan Approval Form provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Loan Approval Form is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Loan Approval Form provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX (X).XXX

Primary Residence

Refinance

Cash Out - Other

8256120

N/A

XXXX

1000675020

TA25120335

Closed

2026-03-24 05:53

2026-04-09 05:31

Resolved

1 - Information

Credit

Spousal Consent Missing

Resolved-Spousal Consent uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide Spousal Consent document as its missing in file.   - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Spousal Consent uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8282696

N/A

XXXX

1000675020

TA25120335

Closed

2026-03-24 06:40

2026-04-01 08:47

Resolved

1 - Information

Compliance

Closing

Final HUD-1 Closing Date does not match Transaction Date

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open-Resolved. Loan documents were executed on XX/XX/XXXX. Funding and disbursement occurred on XX/XX/XXXX. The revised final settlement statement reflects the correct settlement and disbursement date. No changes were made to borrower costs or loan terms. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Note date is XX/XX/XXXX whereas Notary date and all closing documents signed on XX/XX/XXXX. Final HUD-X shows prepaid interest starting on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX (XXXXXXXXX).XXX

Investment

Refinance

Cash Out - Other

8283427

N/A

XXXX

1000675020

TA25120335

Closed

2026-03-25 09:52

2026-03-27 14:21

Resolved

1 - Information

Credit

Deficient AUS/Loan Approval

Resolved-Resolved. Revised XXXX provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide a corrected Form XXXX reflecting the borrower's representative credit score. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Revised XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Investment

Refinance

Cash Out - Other

8310659

N/A

XXXX

1000675020

TA25120335

Closed

2026-03-24 05:18

2026-03-26 07:21

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Requested Loan Approval Form provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Provide lender approval form as its missing in file.   - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Loan Approval Form provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX (X).XXX

Investment

Refinance

Cash Out - Other

8282286

N/A

XXXX

1000675032

W26010386

Closed

2026-03-24 11:41

2026-03-26 09:06

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-HUD statement provided showing the accurate max loan amount. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The Final HUD statement lists the maximum prepayment penalty as $XX,XXX.XX. Based on the terms outlined in the note, the correct maximum is $XX,XXX. Please provide the HUD statement that reflects the accurate maximum prepayment penalty. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-HUD statement provided showing the accurate max loan amount. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXX.XXX

Investment

Purchase

8291439

N/A

XXXX

1000675012

W26020341

Closed

2026-03-24 04:02

2026-03-26 11:55

Resolved

1 - Information

Credit

Eligibility

Prepayment Penalty Does Not Meet Guideline Requirements

Resolved-Updated HUD rec'd reflecting PPP of $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX
Resolved-Requested updated Xrd page of HUD with Prepayment penalty matching with system provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Maximum Prepayment Penalty amount $X,XXX exceeding HUD maximum prepayment amount $X,XXX. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXX XXX.XXX

Maximum Prepayment Penalty amount $X,XXX exceeding HUD maximum prepayment amount $X,XXX.

Investment

Refinance

Cash Out - Other

8281834

N/A

XXXX

1000675022

TA26020411

Closed

2026-03-26 15:09

2026-03-27 15:18

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Resolved. Received all pages of fully executed Final XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The Final XXXX is Incomplete Provide complete final executed application including all pages. (missing page X) - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Received all pages of fully executed Final XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXX XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8343045

N/A

XXXX

1000675022

TA26020411

Closed

2026-03-26 04:33

2026-03-27 15:16

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Resolved. Approval Certificate received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide loan approval missing in loan file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Approval Certificate received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX (X).XXX

Primary Residence

Refinance

Cash Out - Other

8328999

N/A

XXXX

1000675010

W26020417

Closed

2026-03-27 14:06

2026-04-01 09:30

Resolved

1 - Information

Credit

Assets not properly documented/insufficient

Resolved-Resolved. Updated transaction history for XXXX acct #XXXX, dated through XX/XX/XXXX, provides evidence of the funds of $XX,XXX withdrawn from the borrower's account on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide documentation evidencing the source of funds used to obtain the cashier’s check in the amount of $XX,XXX.XX, including a bank statement and/or transaction history showing the withdrawal from the borrower’s account. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX XXXXXXXX.XXX

Investment

Purchase

8364336

N/A

XXXX

1000675028

TA25110565

Closed

2026-03-24 04:42

2026-03-27 15:05

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Counter-Counter. Please provide a Post-Close CD (PCCD) to coincide with the information on the updated Final Refinance Statement. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final Settlement statement to confirm disbursement date X/XX - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary)  The provided doc indicates a start date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. However, the Notary date is XX/XX/XXXX and disbursement date is XX/XX/XXXX. which falls after the third business day following consummation. provide updated right to cancel document.
- Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Final Settlement statement to confirm disbursement date X/XX - Seller-XX/XX/XXXX

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

XXXXX XXXXXXXXXX XXXXXXXXX (XX).XXX
XXXX _ XXXX XXXXXXXXXXXX XX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

8282040

N/A

XXXX

1000675028

TA25110565

Closed

2026-03-24 17:14

2026-03-26 12:08

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Waived. XXXXXXXXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Audited LTV of XX% exceeds Guideline LTV of XX% Provide a signed lender authorization or exception approval document stating the rationale for approving the loan at XX% LTV when P&L Only program guidelines limit LTV to XX% cash-out refinance transactions. The documentation must include the approving party’s name, title and date of approval. - Due Diligence Vendor-XX/XX/XXXX

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

Waived-Waived. XXXXXXXXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXX XXXXXXXX (XX).XXX

$XXX,XXX.XX reserves exceed the minimum required of $XX,XXX.XX exceeds the minimum by XX.XX months over the required minimum.
XXX Representative credit score exceeds the minimum required of XXX by XX points.
Borrower has $XXX,XXX residual income after all expenses. Minimum required per guideline is $X,XXX.

Primary Residence

Refinance

Cash Out - Other

8300948

Originator Post-Close

XXXX

1000675028

TA25110565

Closed

2026-03-24 17:14

2026-03-26 11:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-COC provided for the Credit Report. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-A Lender Credit of ($XX.XX) was applied to the last Closing Disclosure; however, documentation supporting the timing and applicability of this credit is not evident in the file. Please provide evidence of a valid Change of Circumstance supporting the application of the Lender Credit. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-COC provided for the Credit Report. - Due Diligence Vendor-XX/XX/XXXX

XXX - XXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8300952

N/A

XXXX

1000675028

TA25110565

Closed

2026-03-24 16:02

2026-03-26 09:52

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Resolved. Received verification reflecting current active status. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Per lender XXXXXXXX, provide a required copy of a current/active license or certification for the preparer of the business Profit and Loss Statement. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Received verification reflecting current active status. - Due Diligence Vendor-XX/XX/XXXX

XXX XXXXXXX XXXXXXXXXXXX (X).XXX

Primary Residence

Refinance

Cash Out - Other

8298742

N/A

XXXX

1000675028

TA25110565

Closed

2026-03-24 14:31

2026-03-26 09:50

Resolved

1 - Information

Credit

Deficient AUS/Loan Approval

Resolved-Resolved. Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide a corrected XXXX reflecting manual underwriting (Non-QM) and the loan purpose as cash-out refinance - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Resolved. Received revised XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXX_XX_XXX (XX).XXX

Primary Residence

Refinance

Cash Out - Other

8296236

N/A

XXXX

1000674992

NCW25120018

Closed

2026-03-26 04:14

2026-04-03 10:26

Resolved

1 - Information

Property

Missing Doc

1004D Completion Report is Missing

Resolved-XXXXX Completion Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-XXXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-XXXXX Completion Report is Missing Provide XXXXX document as appraisal is expired. Appraisal dated X/X/XXXX with a closing date of X/X/XXXX. The appraisal is outside of the XXX days.  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-XXXXX Completion Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-XXXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX

XX-XXXXXXXXXXXXX XX XXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8328931

N/A

XXXX

1000674992

NCW25120018

Closed

2026-03-27 02:58

2026-04-02 01:54

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide Loan approval missing in file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8352884

N/A

XXXX

1000674992

NCW25120018

Closed

2026-03-27 03:51

2026-03-30 15:10

Waived

2 - Non-Material

Compliance

TRID

Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date

Waived-The Last Loan Estimate was provided on (XXXX-XX-XX) which is on or after (XXXX-XX-XX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (XX CFR XXXX.XX(e)(X)(ii)) Per SFA TRID X.X, this can be an EVX even though the LE received date is after the CD received date because the LE Issue Date is prior to the initial CD issue date and the revised LE was received at least X business days prior to consummation. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

8353273

Investor Post-Close

XXXX

1000674998

NCW26020527

Closed

2026-04-07 05:32

2026-04-14 16:49

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-PCCD was entered - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date X/X/XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" X/X/XXXX. Provide valid Right to Cancel documentation as funds were disbursed on X/X/XXXX and the right to cancel was not until X/X/XXXX.  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-PCCD was entered - Due Diligence Vendor-XX/XX/XXXX

XXXX _ XXXX XXXXXXXXXXXX XX.XXX

Primary Residence

Refinance

Cash Out - Other

8517450

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-14 08:34

2026-04-14 16:47

Resolved

1 - Information

Compliance

TRID

Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date

Resolved-All trid disclosures were entered in XX - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved-All trid disclosures were entered in XX - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

8648011

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-08 01:19

2026-04-14 16:44

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-QC entered the revised closing disclosure along with the COC changes to the Trid Screen - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. THERE WAS A REVISED CD DONE ON XX/XX WITH A COC FOR LOAN AMOUNT INCREASE AND DISCOUNT POINT INCREASE. PLEASE SEE ATTACEHD.  - Seller-XX/XX/XXXX
Counter-The COC provided for the Discount Point fee reflects a change date of X/X/XXXX; however, the fee was not updated on any disclosures until the final CD issued on X/XX/XXXX. As a result, the COC is invalid. This issue may be cured if the client refunds the fee violation and provides XXXXXX with a copy of the refund check, the PCCD, a Letter of Explanation (LOE), and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-COC BELONGS TO CD  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Notary Fee, Wire Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Please confirm if the COC dated X/X/XXXX applies to the initial CD, if not please provide the Loan Estimate dated X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. THERE WAS A REVISED CD DONE ON XX/XX WITH A COC FOR LOAN AMOUNT INCREASE AND DISCOUNT POINT INCREASE. PLEASE SEE ATTACEHD.  - Seller-XX/XX/XXXX
Ready for Review-COC BELONGS TO CD  - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Resolved-QC entered the revised closing disclosure along with the COC changes to the Trid Screen - Due Diligence Vendor-XX/XX/XXXX

XXX XXX XX XX.XXX
XX XXX XXXX XXXXXX XX XX.XXX

Primary Residence

Refinance

Cash Out - Other

8538656

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-07 23:55

2026-04-14 16:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Requested Active CPA document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Borrower X CPA Letter Missing A CPA letter is in the file on page XXX; however, documentation verifying a current and active license or certification for the preparer is missing. Please provide the state CPA license number verified by a copy of the license or a screenshot from the applicable state licensing authority, or IRS Enrolled Agent (EA) certification verified by a screenshot from the IRS website, or a XXXXXXXXXX Tax Education Council (CTEC) certification verified by a screenshot from the CTEC website, or a state attorney license number verified by the license or a screenshot from the appropriate state licensing authority. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Active CPA document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX

XXXX XX XXXXXX X XXXXXXXXXX XXX XXXXXXXX _ XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8538258

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-08 01:19

2026-04-14 08:40

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-ATTACHED IS PROOF OF APPRIASL DELIVERY  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i))   This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX   and the Final Closing disclosure on Pg#’s XXX,  Finding reflects escrows.
Rate lock date was entered correctly – see Pg#XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX, XXX  in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX  The loan does not meets HPML guidelines  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-ATTACHED IS PROOF OF APPRIASL DELIVERY - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i))   This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX   and the Final Closing disclosure on Pg#’s XXX,  Finding reflects escrows.
Rate lock date was entered correctly – see Pg#XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX, XXX  in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX  The loan does not meets HPML guidelines  - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8538655

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-08 01:19

2026-04-14 08:40

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-ATTACHED IS PROOF OF APPRAISAL DELIVERY.  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX   and the Final Closing disclosure on Pg#’s XXX,  Finding reflects escrows.
Rate lock date was entered correctly – see Pg#XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX, XXX  in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX  The loan does not meets XXXX guidelines  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-ATTACHED IS PROOF OF APPRAISAL DELIVERY. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i))  This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX   and the Final Closing disclosure on Pg#’s XXX,  Finding reflects escrows.
Rate lock date was entered correctly – see Pg#XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX, XXX  in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX  The loan does not meets XXXX guidelines  - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8538653

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-07 02:32

2026-04-10 05:53

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested Secondary valuation Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Only able to locate the appraisal in the file. Per the guidelines a review product is required unless there is a Xnd appraisal. Provide review product.  - Due Diligence Vendor-XX/XX/XXXX

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

XXXX _ XXX XXX XXX (X).XXX
XXXX _ XXX XXX XXX.XXX

Primary Residence

Refinance

Cash Out - Other

8516245

N/A

XXXX

1000674998

NCW26020527

Closed

2026-04-07 23:37

2026-04-10 05:52

Resolved

1 - Information

Credit

Missing Doc

Loan Approval Document is Missing

Resolved-Requested Loan Approval provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Provide Loan approval doc as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Requested Loan Approval provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8538180

N/A

XXXX

1000708024

Closed

2026-04-14 07:38

2026-04-24 12:37

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Gap report dated X/X/XX provided. Updated debts.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see attached  - Buyer-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXX) is required within XX business days of closing. Reissued credir report date X/XX/XX is greater than XX business days prior to closing date X/X/XX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gap report dated X/X/XX provided. Updated debts. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX (XX).XXX

Primary Residence

Purchase

8647129

N/A

XXXX

1000731217

Closed

2026-04-09 01:25

2026-05-21 00:55

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. Missing Business Purpose Affidavit signed at closing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX - XXXXXXXX XXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8565217

N/A

XXXX

1000707786

Closed

2026-04-13 02:53

2026-05-11 13:13

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Lender provided RCE confirming sufficient property coverage. Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached RCE provided by the insurance company.  - Buyer-XX/XX/XXXX
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and RCE not present in file.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided RCE confirming sufficient property coverage. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXX_XXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8613773

N/A

XXXX

1000707978

Closed

2026-04-13 07:43

2026-04-29 07:42

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Taxes calculated using X.XX% of the sales prices as this is XX state, 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. Uploaded  - Buyer-XX/XX/XXXX
Open-Missing Evidence of Property Tax Based on the Final CD, the tax amount is $XXXX.XX/month and the HOA is $XXX.XX/month (X months collected in F.XX for $XXX.XX / X = $XXX.XX). Per the Uniform Residential Loan Application – Lender Loan Information, the Taxes are $X,XXX.XX/month and the HOA is $XXX/month. The Tax Cert, p XXX, and the title, p XXX, reflect $XX,XXX.XX/yr = $X,XXX.XX/month which is a varaiance from the Final CD. If the calculation is based off the SP, provide the Estimated Percent / Tax Assessment Factor that the escrow company used to arrive at the tax figure of $XXXX.XX/month. Provide clarification and supporting documentation for the correct tax amount.
- Due Diligence Vendor-XX/XX/XXXX

XXX XXXXX XXX XXX.XXX

Primary Residence

Purchase

8619150

N/A

XXXX

1000707978

Closed

2026-04-13 08:27

2026-04-29 03:42

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Self-Employed Business Narrative provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded  - Seller-XX/XX/XXXX
Open-The Self-Employed Business Narrative is missing.  - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Self-Employed Business Narrative provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXX - XXXX.XXX

Primary Residence

Purchase

8619635

N/A

XXXX

1000707978

Closed

2026-04-13 07:50

2026-04-27 10:30

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-COC provided addressing the increase in points, XXXX screen updated and Compliance was re-run and passes. Resolved.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded  - Buyer-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Loan amount points increased from initial LE to final CD $X,XXX. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Primary Residence

Purchase

8619229

N/A

XXXX

1000707978

Closed

2026-04-13 01:37

2026-04-27 10:24

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Requested XXXX Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded  - Buyer-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested XXXX Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

8613234

N/A

XXXX

1000708006

Closed

2026-04-21 07:06

2026-04-24 03:10

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Requested updated final XXXX with updated citizenship & XA information provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached  - Buyer-XX/XX/XXXX
Open-Provided Final XXXX missing Declaration section, Citizenship type and section XA loan Information is missing. Provide final XXXX with this information.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Requested updated final XXXX with updated citizenship & XA information provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX

Primary Residence

Purchase

8790808

N/A

XXXX

1000708050

Closed

2026-04-28 11:42

2026-05-01 07:46

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Resolved-Received guaranty agreement - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Guaranty Docs uploaded for review - Buyer-XX/XX/XXXX
Open-Missing Guaranty Agreement - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Resolved-Received guaranty agreement - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXX XXXXXXXX XXXX.XXX

Investment

Refinance

Cash Out - Other

8922117

N/A

XXXX

1000708050

Closed

2026-04-23 00:33

2026-04-30 06:03

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Requested updated title policy with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated title has been uploaded for review. - Buyer-XX/XX/XXXX
Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Require Additional Title Coverage Amount covering the loan amount.
  - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXXXXXXX XXX XXXXX.XXX

Investment

Refinance

Cash Out - Other

8832390

N/A

XXXX

1000707729

Closed

2026-05-12 14:50

2026-05-13 18:32

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note was provided in Findings: XXXXXXX_X.XXX. Resolved.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached  - Due Diligence Vendor-XX/XX/XXXX
Open-The Note is missing.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Note was provided in Findings: XXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9158911

N/A

XXXX

1000707729

Closed

2026-05-05 03:21

2026-05-13 18:24

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached  - Due Diligence Vendor-XX/XX/XXXX
Open-The Deed of Trust is Missing The Deed of Trust document is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX
Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9037203

N/A

XXXX

1000707729

Closed

2026-05-11 12:34

2026-05-13 18:08

Resolved

1 - Information

Credit

Missing Doc

Missing Letter of Explanation (Assets)

Resolved-Operating Agreement provided for XXXXXX, XXX reflecting XX as Member and Registered Agent. Resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Operating Agreement provided for XXXXXX, XXX reflecting XX as Member and Registered Agent. Resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached  - Due Diligence Vendor-XX/XX/XXXX
Open-Asset #X is in the name of XXXXXX XXX XXXXXX. There is no proof in file that XX has ownership in that XXX or XXX authorizing use of funds from that account. Need to connect that business entity to XX.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Operating Agreement provided for XXXXXX, XXX reflecting XX as Member and Registered Agent. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9132384

N/A

XXXX

1000707729

Closed

2026-05-05 04:27

2026-05-12 14:54

Resolved

1 - Information

Compliance

Closing

Final HUD-1 Closing Date does not match Transaction Date

Resolved-The executed Settlement Statement was provided in Findings:  XXXXXXX_X.XXX. Resolved.   - Due Diligence Vendor-XX/XX/XXXX
Resolved-Final HUD-X Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached  - Due Diligence Vendor-XX/XX/XXXX
Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of null. The Settlement Statement provided is not signed by the borrower.  - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9037534

N/A

XXXX

1000707729

Closed

2026-05-11 12:35

2026-05-12 14:45

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-XXXXXXX Term Sheet provided in Findings. Resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached  - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXXXX Term Sheet is missing.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXXXX Term Sheet provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9132416

N/A

XXXX

1000707729

Closed

2026-05-05 03:37

2026-05-12 03:42

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Guaranty Agreement document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX
Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Document is missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Guaranty Agreement document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9037289

N/A

XXXX

1000707729

Closed

2026-05-05 03:14

2026-05-12 03:41

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see attached  - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit Disclosure is missing in file - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

9037155

N/A

XXXX

1000731108

Closed

2026-04-28 04:58

2026-05-02 09:49

Resolved

1 - Information

Compliance

Missing Doc

Undiscounted Rate is Missing

Resolved-Document uploaded and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXXXX - Due Diligence Vendor-XX/XX/XXXX
Open-Undiscounted Rate is Missing
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Document uploaded and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Primary Residence

Purchase

8912180

N/A

XXXX

1000731108

Closed

2026-04-28 02:13

2026-05-02 09:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Documents uploaded and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Gap Report - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documents uploaded and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Primary Residence

Purchase

8910994

N/A

XXXX

1000731108

Closed

2026-04-29 15:05

2026-04-29 15:52

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Rounding issue. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

8956739

N/A

XXXX

1000708014

Closed

2026-04-27 02:29

2026-05-08 10:08

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-XXX provided. Coverage sufficient. Resolved.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-XXX doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX
Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage is not included.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXX provided. Coverage sufficient. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-XXX doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX XXXXXXXXX.XXX

Primary Residence

Purchase

8883122

N/A

XXXX

1000674976

Closed

2026-05-01 09:25

2026-05-12 11:04

Resolved

1 - Information

Compliance

Missing Doc

Undiscounted Rate is Missing

Resolved-Document received - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Hello, we need the rate prior to the discount points being added. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-Undiscounted Rate is Missing - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXXXXXX_XXXXXXXXXXXX XXXX.XXX
XXXXXXX XXXXXXXXXXXX XXXX XXXX.XXX

Primary Residence

Purchase

8996823

N/A

XXXX

1000674976

Closed

2026-05-01 09:05

2026-05-12 11:03

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.  Final CD Credit Report fee increased in the revised CD dated XX/XX/XXXX and the Loan Discount Fee increased, Please provide a COC. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

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

XXX XXXXXXX.XXX

Primary Residence

Purchase

8996372

N/A

XXXX

1000674972

Closed

2026-05-05 13:05

2026-05-14 16:22

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-Please provide a COC for the increase in lender credits. - Due Diligence Vendor-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXX.XXX

Primary Residence

Purchase

9047613

N/A

XXXX

1000674972

Closed

2026-05-04 11:31

2026-05-05 13:08

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-XXXX: Missing Closing Disclosure XXXX: Missing Initial Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXX_XXXXXXX XX.XXX

Primary Residence

Purchase

9024116

N/A

XXXX

1000674958

Closed

2026-05-06 12:30

2026-05-11 23:37

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Updated fees by separating combined seller and buyer fees. data entry error. resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) Missing COC - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) . - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

9066570

N/A

XXXX

1000674958

Closed

2026-04-29 02:34

2026-05-06 12:42

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Initial Closing Disclosure

Resolved-Document Received - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-XXXX: Missing Closing Disclosure Provide Initial CD. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXX_XXXXXXX XX.XXX

Primary Residence

Purchase

8936955

N/A

XXXX

1000708034

Closed

2026-04-29 01:53

2026-05-05 07:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX
Resolved-Xrd Party VOE Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Borrower X Xrd party VOE prior to close.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX
Resolved-Xrd Party VOE Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXX XXX.XXX

Primary Residence

Purchase

8936589

N/A

XXXX

1000708034

Closed

2026-04-29 01:53

2026-05-05 07:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-resolved, Xrd Party VOE Provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Xrd Party VOE Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Borrower X Xrd party VOE prior to close. - Due Diligence Vendor-XX/XX/XXXX

Resolved-resolved, Xrd Party VOE Provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Xrd Party VOE Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXX XXX.XXX

Primary Residence

Purchase

8936588

N/A

XXXX

1000708034

Closed

2026-04-29 05:49

2026-04-30 09:25

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee".  "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) The XXXXXXXXXX foreclosure prevention document is provided on pg #XXX. Verified it is included on the in the mortgage recording fee. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) The XXXXXXXXXX foreclosure prevention document is provided on pg #XXX. Verified it is included on the in the mortgage recording fee. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

8941704

N/A

XXXX

1000708048

Closed

2026-05-04 18:30

2026-05-06 17:38

Resolved

1 - Information

Credit

Assets not properly documented/insufficient

Resolved-Missing Gift letter provided. Asset screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX
Open-There are X gifts however only X gift letters. Based on the information in file, there was a gift of $XX,XXX from the borrower’s father transferred on X/XX/XXXX as a contribution towards the EM (corresponding gift letters are on p XXX, XXX, XXX, XXX and a copy of the check dated X/XX/XXXX for $XX,XXX with the memo ‘Deposit’ is on p XXX).
At the time of closing, two other gifts were reflected on the Final CD, p XXX. X) Gift for $XX,XXX from the borrower’s sister (corresponding gift letters are on p XXX, XXX, XXX, XXX and a copy of the Cashier’s Check made payable to the title company for $XXx is on p XXX). And X) an additional gift of $XX,XXX reflected on the Final CD, p XXX. A copy of that Cashier’s Check for $XX,XXX made payable to the title company is on p XXX also. There is no corresponding Gift Letter in file for the $XX,XXX. Provide the missing Gift Letter for the gift of $XX,XXX reflected on the Final CD, p XXX.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Missing Gift letter provided. Asset screen updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXX _ XXXXXX XXXXXXX (X).XXX

Primary Residence

Purchase

9033207

N/A

XXXX

1000708048

Closed

2026-05-01 00:29

2026-05-06 04:51

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see pages X & X. We have what we need to clear this condition.  - Buyer-XX/XX/XXXX
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' The Coverage Amount - Hazard Insurance of $XXX,XXX (Add'l Coverage amount $XXX,XXX - XXX%) is less than the Loan Amount of $XXX,XXX.  - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXXX XXXXXX_XX.XXX

Primary Residence

Purchase

8987271

N/A

XXXX

1000674974

Closed

2026-05-08 11:16

2026-05-14 16:30

Resolved

1 - Information

Credit

DSCR Calculation Undocumented

Resolved-Document recieved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-The originator DSCR calculation was not included in the file and we are unable to determine what calculation the UW utilized. Please provide a document that shows the originators DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document recieved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX_XXXX XXXXX.XXX

Investment

Refinance

Cash Out - Other

9106605

N/A

XXXX

1000674974

Closed

2026-05-08 04:13

2026-05-12 02:18

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-Updated Note document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-The Note is Incomplete Page X of the Note is missing. Please provide the full note. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Updated Note document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

9099040

N/A

XXXX

1000708084

Closed

2026-05-07 18:12

2026-05-19 18:19

Resolved

1 - Information

Credit

Income/Employment

Income documentation does not meet guidelines

Resolved-LOX received clarifying switch of banks. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached lox - Seller-XX/XX/XXXX
Counter-Section X.X.X of the guidelines requires the XX months business bank statements to be from the same account. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-please clarify what you are asking for.  - Buyer-XX/XX/XXXX
Open-XX months complete business bank statements from the same account, utilizing two different accounts to calculate income. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-LOX received clarifying switch of banks. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XXX.XXX

Primary Residence

Purchase

9095258

N/A

XXXX

1000708084

Closed

2026-05-05 01:27

2026-05-18 02:57

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Resolved-Self-Employed Business Narrative uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX
Open-Business Narrative missing from the file.
- Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Self-Employed Business Narrative uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXXX.XXX

Primary Residence

Purchase

9036322

N/A

XXXX

1000708084

Closed

2026-05-04 07:08

2026-05-14 11:06

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Received change of circumstance. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached  - Buyer-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Missing change of circumstance for Loan Origination and Discount Points increasing. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received change of circumstance. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXXXXXXXXXXX.XXX

Primary Residence

Purchase

9019586

N/A

XXXX

1000708084

Closed

2026-05-07 18:02

2026-05-12 10:45

Resolved

1 - Information

Compliance

Disclosure

Missing PCCD.

Resolved-Received PCCD. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX
Open-Missing PCCD, Settlement statement in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received PCCD. - Due Diligence Vendor-XX/XX/XXXX

XXXX _ XXXX XXXXXXXXXXXX XX.XXX

Primary Residence

Purchase

9095127

N/A

XXXX

1000708084

Closed

2026-05-07 17:30

2026-05-12 10:45

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Received loan estimate. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX
Open-Missing loan estimate dated X/X. - Due Diligence Vendor-XX/XX/XXXX

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

Resolved-Received loan estimate. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXX X.XX.XXX

Primary Residence

Purchase

9094516

N/A

XXXX

1000708084

Closed

2026-05-07 18:03

2026-05-12 10:26

Resolved

1 - Information

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-Received deposit of gift funds. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX
Open-When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer. Missing evidence of gift funds being transferred. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received deposit of gift funds. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

9095128

N/A

XXXX

1000708084

Closed

2026-05-07 16:54

2026-05-12 10:20

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. ATTACHED - Buyer-XX/XX/XXXX
Open-The XXXX document is missing from the loan file. Missing XXXX from the file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXX - XXXXXXXXXXX XXXXXXX.XXX

Primary Residence

Purchase

9093915

N/A

XXXX

1000708084

Closed

2026-05-04 07:08

2026-05-19 18:33

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming)

Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($X,XXX,XXX.XX), which is the XXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($X,XXX,XXX.XX), which is the XXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
  - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

9019589

N/A

XXXX

1000708084

Closed

2026-05-05 01:13

2026-05-19 18:33

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Non-Conforming)

Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The System determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($X,XXX,XXX.XX), which is the XXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(ii))  This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-XX/XX/XXXX
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The System determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($X,XXX,XXX.XX), which is the XXXXXX XXX conforming loan limit as of the date the loan's interest rate was set before consummation. (Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(ii))  This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’XXXX-XXXX. The loan meets HPML guidelines, resolved.
  - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

9036214

N/A

XXXX

1000708042

Closed

2026-05-05 08:18

2026-05-18 03:05

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date XX-XX-XXXX, Verified - Resolved  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The loan did not disburse until X/XX. HOI went into effect on the day the loan disbursed. - Buyer-XX/XX/XXXX
Open-Hazard insurance effective date must match the Note Date X/XX/XX which is the consummation date. - Due Diligence Vendor-XX/XX/XXXX
Rescinded-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX . Finding has been rescinded Hazard Insurance Effective Date of XX-XX-XXXX  it is within the disbursement date XX-XX-XX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX
Rescinded-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX . Finding has been rescinded Hazard Insurance Effective Date of XX-XX-XXXX it is within the disbursement date XX-XX-XX. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

9040837

N/A

XXXX

1000708042

Closed

2026-05-14 10:54

2026-05-15 08:24

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-WA fee updated, resolved.  - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-WA fee updated, resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

9200046

N/A

XXXX

1000708042

Closed

2026-05-06 03:35

2026-05-15 08:22

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Final settlement statement of net proceeds- Funds to purchase subject went directly to escrow $XXX,XXX.XX + $XX,XXX.XX remaining funds due to the borrower = $XXX,XXX.XX.  Cash to close subject $XXX,XXX.XX. Reserve requirement met. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Seller rebuttal uploaded - Buyer-XX/XX/XXXX
Counter-The EMD $Xk was applied to the loan. Thats how we are only $-XXX.XX short.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Are you factoring in the $X,XXX EMD? - Seller-XX/XX/XXXX
Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s). Cash to close $XXX,XXX.XX + $XX,XXX.XX X month reserves= $XXX,XXX.XX- Verified assets $XXX,XXX.XX=  $-XXX.XX reserve shortage. Need additional assets or provide exception approval. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Are you factoring in the $X,XXX EMD? - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXXX XX XXX XXXXXX XX.XXX
XXXXXXXXXX_XXXXXX XXXXXX XXXXXXXX.XXX

X.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points. Borrower has $XX,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. Borrower has been employed at current job for X years. Borrower has been employed in same career for X years. XxXX mortgage history for XX months. Borrower has lived in subject property X years.

Primary Residence

Purchase

9057758

N/A

XXXX

1000708042

Closed

2026-05-07 01:14

2026-05-15 04:06

Resolved

1 - Information

Credit

Missing Doc

Missing Business Narrative

Ready for Review-Requested Business Narrative Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. SE Bus Nar form uploaded - Seller-XX/XX/XXXX
Open- XXXXXXXXX Self-Employed Business Narrative Form (or equivalent) is required. Missing Self Employed Business Narrative.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. SE Bus Nar form uploaded - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXX XXXX.XXX

Primary Residence

Purchase

9075962

N/A

XXXX

1000708042

Closed

2026-05-06 03:37

2026-05-14 11:41

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee".  "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) The XX foreclosure prevention fee $XX is included in Section E. The HUD provides the detailed breakdown and it matches the final charge on the Final CD.  - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Settlement Statement showing XX $XX Foreclosure Fee paid - See Government Charges on page X. - Buyer-XX/XX/XXXX
Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee".  "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) No Foreclosure Prevention fees on Final CD or PCCD.   - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXXXXX_XXXXXX XXXXX XXXXXXXXXX XXXXXXXXX.XXX

Primary Residence

Purchase

9057765

N/A

XXXX

1000731214

Closed

2026-06-09 07:15

2026-06-24 14:11

Waived

2 - Non-Material

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Waived- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XX agrees to waive with updated hazard insurance documentation. Coverage is currently in force and protects the lender's interest in the property. The lapse was administrative in nature and approved with comp factors below. - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX agrees to waive with updated hazard insurance documentation. Coverage is currently in force and protects the lender's interest in the property. The lapse was administrative in nature and approved with comp factors below. - Seller-XX/XX/XXXX

XX% LTV is below the maximum XX.XX% LTV by X.XX%.
XXX Representative credit score exceeds the minimum required of XXX by XX points

Primary Residence

Purchase

9624653

Investor Post-Close

XXXX

1000731214

Closed

2026-05-07 05:57

2026-06-09 07:15

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. HOI policy premium is $X,XXX.XX / XX = $XXX.XX per declaration page; see updated XXXX/XXXX reflecting the revised amount. Escrows will be adjusted accordingly by our servicing department. Please rescind finding, thank you. - Buyer-XX/XX/XXXX
Open-Missing Hazard Insurance Policy Hazard insurance is missing in file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXX XXX.XXX
XXXX.XXX
XXXX.XXX
XXX XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

9079126

N/A

XXXX

1000731214

Closed

2026-05-08 00:22

2026-06-03 23:12

Waived

2 - Non-Material

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. We have updated both XXXX accounts based on the X/XX bank statement received and the balances for the xxxxXXXX and xxxxXXXX accounts. Since the expired statement for the XXXXX xxxxXXXX account was not received (was from back in XXX XXXX), We removed those assets. Manager approved exception for < X months reserves attached. Please clear. - Seller-XX/XX/XXXX
Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) As per guidelines required reserves are X months. The file contained verified assets totally $XXX,XXX.XX, Asset X is expired. The PITIA $XXXX.XX ($XXXX.XX  x X = $XXXXX.XX) cash to close is $XXX,XXX.XX short by $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. We have updated both XXXX accounts based on the X/XX bank statement received and the balances for the xxxxXXXX and xxxxXXXX accounts. Since the expired statement for the XXXXX xxxxXXXX account was not received (was from back in XXX XXXX), We removed those assets. Manager approved exception for < X months reserves attached. Please clear. - Seller-XX/XX/XXXX

Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XXXXXXX XXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXXXXXX XXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXXX XXXX XXXX XXXXXXXXX.XXX

XX% LTV is below the maximum XX.XX% LTV by X.XX%.
XXX Representative credit score exceeds the minimum
required of XXX by XX points

Primary Residence

Purchase

9097422

Originator Post-Close

Yes

XXXX

1000731214

Closed

2026-05-07 07:42

2026-06-02 04:20

Resolved

1 - Information

Credit

Assets

Asset 5 Expired

Resolved-Exception provided for insufficient reserves hence removed asset X which is not within the guidelines & condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. We have updated both XXXX accounts based on the X/XX bank statement received and the balances for the xxxxXXXX and xxxxXXXX accounts.
Since the expired statement for the XXXXX xxxxXXXX account was not received (was from back in XXX XXXX), We removed those assets.
Manager approved exception for < X months reserves attached. Please clear.  - Seller-XX/XX/XXXX
Open-Asset X Expired Bank statement account no. ending with XXXX is expired, provide updated bank statement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. We have updated both XXXX accounts based on the X/XX bank statement received and the balances for the xxxxXXXX and xxxxXXXX accounts.
Since the expired statement for the XXXXX xxxxXXXX account was not received (was from back in XXX XXXX), We removed those assets.
Manager approved exception for < X months reserves attached. Please clear. - Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XXXXX XXXX XXXX XXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXXXXXX XXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXXXXXXX.XXX
XXXXXXXXXX_XXXXX_XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

9080898

N/A

XXXX

1000731214

Closed

2026-05-07 07:26

2026-05-27 11:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Open- - Due Diligence Vendor-XX/XX/XXXX
Counter- - Due Diligence Vendor-XX/XX/XXXX
Counter-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. We are getting a fail still because the CD we have on file that the condition is pertaining to is dated XX/XX/XX. However the COC you provided is dated XX/XX/XX. There should be a CD dated XX/XX/XX after those COC changes. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached COC provided by closing.  - Buyer-XX/XX/XXXX
Counter-Can you be more specific with what fee you are referencing that the payee name was incorrect? From a compliance standpoint it is my understanding that we are going to need a COC regardless because the credit report fee is one that cannot increate that much. So we would need a COC for what appears to be the X/XX CD is when the change occurred in order to clear this condition.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Closer has reviewed the finding. There was a cure for the difference in the credit report fee. It was $XXX.XX on the LE
but the invoice was for $XXX.XX and it was under disclosed. The difference of $XXX.XX. I did see that it wasn’t passing compliance because a fee had
a payee name that wasn’t correct. It is passing now.
- Seller-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. In Revised CD there is an increase in fees in Sec A loan amount points fees from $XX,XXX to $XX,XXX, COC is required. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Closer has reviewed the finding. There was a cure for the difference in the credit report fee. It was $XXX.XX on the LE
but the invoice was for $XXX.XX and it was under disclosed. The difference of $XXX.XX. I did see that it wasn’t passing compliance because a fee had
a payee name that wasn’t correct. It is passing now.
- Seller-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XXX.XXX

Primary Residence

Purchase

9080666

N/A

XXXX

1000731214

Closed

2026-05-07 07:56

2026-05-20 03:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached new VVOE and Xrd party VOE for business for BX and his VVOE for XXXXXXX as well. These have been uploaded. - Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing VOE in file greater than XX days and CPA in file > XX days. Provide the existence of the business within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX_XXXXX_XXXXXXX XXX.XXX
XXXXXXXXXX_XXXXX_XXXXXXX XXXX.XXX

Primary Residence

Purchase

9081053

N/A

XXXX

1000731221

Closed

2026-05-12 00:34

2026-05-15 04:24

Resolved

1 - Information

Credit

Missing Doc

Business Purpose Affidavit is Missing

Resolved-Requested BPA provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached  - Buyer-XX/XX/XXXX
Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'.  Business Purpose Affidavit is required for a XXXX loan. Provide Final Business Purpose Affidavit Disclosure - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXX XXXXXXXXXXX_XXXXXXX_XXX XXXX XX (XXXX)_XXXXXX.XXX

Investment

Purchase

9144667

N/A

XXXX

1000731218

Closed

2026-05-20 07:33

2026-05-26 23:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded  - Buyer-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing Third party verification is Missing in loan file, provide within XXdays of verification. - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Primary Residence

Refinance

Cash Out - Other

9294614

N/A

XXXX

1000731107

Closed

2026-05-26 13:16

2026-05-29 17:11

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Purchase Contract - Due Diligence Vendor-XX/XX/XXXX
Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Contract addendum for Seller Credit of $X,XXX per the HUD is missing from the loan file - the addendum on page #XXX of the loan file indicates the sellers are agreeing to X.X% of the purchase price which is $X,XXX in seller credits.  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Purchase

9376213

N/A

XXXX

1000731107

Closed

2026-05-26 13:04

2026-05-29 17:08

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Recorded Mortgage - Due Diligence Vendor-XX/XX/XXXX
Open-Missing evidence of Mortgage recording Recording Fees on the HUD provided are $X - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_X.XXX

Investment

Purchase

9375957

N/A

XXXX

1000731107

Closed

2026-05-26 05:39

2026-05-29 17:05

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Guaranty - Due Diligence Vendor-XX/XX/XXXX
Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing in the file - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX_X.XXX

Investment

Purchase

9366611

N/A

XXXX

1000731107

Closed

2026-05-26 13:35

2026-05-29 17:05

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Business Documentation - Due Diligence Vendor-XX/XX/XXXX
Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXXXX_X.XXX

Investment

Purchase

9376900

N/A