EXHIBIT 99.7
CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 633 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | x | 08/24/2026 | Lender provided the XXX’s license and Identification Affidavit. Condition cleared.; Material |
08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 633 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 640 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Rescinded | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title Document Preparation Fee and increase from XXX to XXX for E-Recording Fee. | Title Erecording and Title Doc Prep are in Section C on Final CD and subject to XXX% tolerance |
08/17/2026 | Some fees paid to provider not on the SSPL; exception resolved; Some fees paid to provider not on the SSPL; exception resolved |
08/17/2026 | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 640 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.44% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 637 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | Property/ Appraisal Meets Guidelines. |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.7% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 637 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.7% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 641 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 639 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | x | 08/20/2026 | Evidence of appraisal delivery provided.; Material |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 639 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 08/20/2026 | Evidence of eConsent is provided.; Material |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 639 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing. | Deed of Trust with Rider |
08/13/2026 | Lender provided the Deed of Trust and the PUD Rider. Condition cleared.; PUD Rider is Missing. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 639 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 655 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 634 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 08/20/2026 | Evidence of eConsent is provided.; Material |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 634 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | x | 08/20/2026 | US Patriot Act Disclosure or ID provided.; Material |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 634 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 643 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Lender provided the CCA for the subject property. Value of XXX within tolerance. Condition cleared.; AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
09/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.88% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.88% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 643 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.88% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.88% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 652 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.37% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 652 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.37% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 652 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.37% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 632 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. For Borrower 1 and XXX | x | 08/20/2026 | ID provided for B1 and B2. Condition cleared.; Material |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 632 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 651 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM5922 | Compliance | Lender QM Status not validated | The Originator QM designation was not verified. The Originator disclosed a QM designation of (QM: Safe Harbor (SH)), whereas the final QM designation is (QM: Average Prime Offer Rate (APOR)). | XXX | 08/17/2026 | XXX Report received. Initial and Final QM Status match. Condition cleared. |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 43.54% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DTI Exceeds Max XXX% allowed | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.54% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 651 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 43.54% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DTI Exceeds Max XXX% allowed | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.54% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 651 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is XX/XX/XXXX | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 43.54% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DTI Exceeds Max XXX% allowed | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.54% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 651 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 43.54% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX DTI Exceeds Max XXX% allowed | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.54% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 642 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure LOE |
09/04/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. Appraisal needed per overlay | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 636 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, downgraded per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 629 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 629 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 629 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 659 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 646 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, approved by XXX. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 653 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 648 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.62% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 668 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 668 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 668 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders Data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 680 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 672 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 08/19/2026 | Evidence of eConsent is provided.; Material |
08/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 672 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 672 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 672 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 669 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 08/20/2026 | Evidence of appraisal delivery provided.; Material |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 669 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 663 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 663 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: CU = XXX. AVM is required and is missing. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 663 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 638 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. Page XXX dated XX/XX/XXXX is in file but is not signed | x | 08/18/2026 | Evidence of appraisal delivery provided.; Material |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 638 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 08/18/2026 | Evidence of eConsent is provided.; Material |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 638 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 638 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 649 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 649 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 649 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, approved per lender data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material | 09/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.39% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.39% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | x; x | 09/14/2026 | Evidence of appraisal delivery provided.; Documentation provided shows the appraisal was provided, however no date is able to be determined for testing; Material |
09/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.39% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.39% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.39% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.39% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 687 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.39% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.39% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 647 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Rescinded | FCRE0404 | Credit | The Interested Party Contributions exceed the XXX | Interested Party Contributions exceed XXX. On the Property page, navigate to the XXX Contract card and reduce the Sales Price by the excess amount. Interested Party Contributions exceed closing costs. Please re-run the AUS by lowering the XXX price by XXX. Additional conditions may apply. | Please escalate to someone who understands how to calculate XXX — XXX is Section K D+I = XXX. There is no violation, this exception is invalid; | Invalid — Seller Credit — XXX | XXX — XXX |
09/08/2026 | Re-reviewed. IPC do not exceed. Condition Rescinded.; Escalated to Management for review.; Audit reviewed the lenders response. The Interested Party Contribution of XXX (seller credit) exceeds the total closing cost of XXX by XXX The only way to clear, is to adjust the price on the AUS. Please reduce the sales price by XXX and rerun the AUS. Condition retained. |
09/14/2026 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 647 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 647 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 674 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. AVM is required and is missing. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 674 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 673 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | finding- 4038 |
Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction’s total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction’s total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction’s total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction’s total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction’s total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | QM doc | 08/18/2026 | Undiscounted rate provided; loan no longer fails points and fee testing. Exception resolved; Undiscounted rate provided; exception resolved; Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Administration Fee XXX Discount Points XXX Processing Fee $XXX. If Discount Points are bona fide and excludable, providing the PAR (undiscounted) rate may cure the violation. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 673 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 673 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 684 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 678 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Provide letter of Explanation from borrower XXX addressing the employment gap from XX/XX/XXXX (termination of employment with XXX) to XX/XX/XXXX (start of employment with XXX). The LOE should clearly explain the reason for the approximately XXX-month gap in employment. | x | 08/26/2026 | LOE for employment gap provided by borrower. Condition cleared. | 08/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.79% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.79% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 678 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1467 | Credit | Asset 1 Missing | Asset 1 Missing. The Seller CD for- XXX (pg. XXX) is currently a draft copy. Please provide an executed Seller CD or executed Settlement Statement to verify the net sale proceeds of XXX EMD of XXX is disclosed on the Final CD and Contract of Sale; however, proof of transfer is not provided. Provide supporting documentation to verify the source and transfer of the EMD funds. ** CR UW — reviewed an executed receipt CD on page XXX reflecting XXX to our borrowers. | Invalid — this is not a draft, it has signatures |
08/20/2026 | Lender provided the executed Seller CD to verify the net sale proceeds of $XXX. Condition cleared. | 08/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.79% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.79% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 678 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.79% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.79% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 677 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s | Will remain a non material B grade, PIW approved per lenders data tape. | 09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.46% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.46% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 677 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material | 08/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.46% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.46% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 677 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.46% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.46% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 677 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.46% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.46% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The proposed monthly payment reflects an “Other” housing expense of $XXX. No supporting documentation was provided to verify this expense. | x | 08/19/2026 | Lender provided documentation for the XXX other monthly Expense. This is for an Irrigation assessment from XXX Irrigation District for XXX Amount billed
$XX/ XX/XXXX. Condition cleared. |
08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 08/19/2026 | Evidence of appraisal delivery provided.; Material | 08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The fraud report was missing from the loan package; therefore, verification could not be completed. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. | 08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Collateral XXX (CU) Risk Score is XXX which exceeds the maximum guideline threshold of XXX. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared.; Third party valuation
product provided within tolerance. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 693 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 705 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX indicates HOA dues of $XXX. No source documentation was provided to substantiate this amount. | Rebuttal: Uploaded the Addendum -XXX county required notices page XXX of this addendum States the subject property is subject to a fee assessment of XXX annually due in XXX until year XXX If we take the annual HOA dues of XXX $XXX= XX/XX/XXXX / XXX months = XXX per mos. |
08/17/2026 | Lender provided the Addendum -XXX county required notices page XXX of this addendum States the subject property is subject to a fee assessment of
XXX annually due in XXX until year XXX If we take the annual HOA dues of XXX $XXX= XX/XX/XXXX / XXX months = XXX per mos. Condition cleared. |
08/18/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 705 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure | 08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material | 08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 705 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 692 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 08/19/2026 | Evidence of appraisal delivery provided.; Material | 08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 692 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not available in the loan file | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. | 08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 692 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 699 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score exceeds XXX. As per guidelines, AVM is required. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. | 08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 699 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 690 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Potential undisclosed property or liability. Additional properties may be owned by an individual with the same name and social security number as the Borrower(s). The properties may have been acquired within the last XXX month(s), are NOT the Subject Property, Current Residence or listed on the borrower’s Schedule of REO. Properties identified: XXX, XXX Please provide a property profile showing no ownership or revised 1003/XXX/AUS. Additional conditions may apply. | Per XXX, property owned by XXX. | Borrowers XXX and XXX | Not our borrowers | 09/09/2026 | Property profile provided. XXX owned by XXX. Borrowers XXX and XXX Not our borrowers. Condition cleared. | 09/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 690 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. | 09/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 690 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 08/19/2026 | Evidence of appraisal delivery provided.; Material | 08/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 690 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 686 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure | 08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material | 08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.61% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 686 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 08/20/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Material | 08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.61% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 686 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.61% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.61% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 696 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Loan includes a Buydown option, Missing buydown agreement and XXX must approve this. | Buydown Agreement |
08/13/2026 | Will remain a non material B grade, Buydown approved per XXX. ; Lender provided the signed buydown agreement. Pending approver from XXX. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 696 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 656 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Lender provided the CCA for the subject property. Value of XXX within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
09/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.47% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 656 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.47% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 700 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure; x |
08/31/2026 | Required Affiliated Business Disclosure Documentation Provided.; ABA provided was for the title company; Provide ABA for the lender or provide confirmation that the lender has no affiliates or made no referral of business to affiliates.; Material |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 700 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year. Cure package requires a PCCD and LOE | Post CD | 08/26/2026 | Cure package provided to the borrower; exception downgraded to a 2/B |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 700 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Rescinded | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing. Exception tied to Final CD Non-Escrow exception. | Escrow Waiver |
08/13/2026 | Not a required document; exception resolved |
08/13/2026 | D | B | D | A | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 700 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 689 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 32.97% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 32.97% is less than Guideline LTV of 80% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 689 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | x | 08/20/2026 | Evidence of appraisal delivery provided.; Material |
08/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 32.97% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 32.97% is less than Guideline LTV of 80% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 689 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 32.97% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 32.97% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 689 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 32.97% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 32.97% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 685 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 685 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 691 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Potential Ownership Issue. Property records indicate that Borrower(s) may be using XXX unidentified mailing address(es) as Owner’s Mailing Address(es). The address(es) is not identified as being XXX with the Borrower(s). Addresses identified: (XXX, XXX). Please provide a property profile showing no ownership or revised 1003/XXX/AUS. Additional conditions may apply. | Per XXX and internet research, this address is an office building owned by XXX |
09/09/2026 | Lender provided a property profile and internet research, this address is an office building owned by XXX. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 691 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report are required (unable to locate in the file) | Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 691 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 08/19/2026 | Evidence of appraisal delivery provided.; Material |
08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 691 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 688 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing Distribution Letter to support XXX monthly fixed distribution with evidence of minimum XXX months continuance. | Please see attached |
08/17/2026 | Lender provided confirmation from XXX that the borrower is receiving XXX a month from XXX account ending #XXX, documented in the file. Total available assets for income of XXX showing XXX year continuance per FNMA guides. Condition cleared. |
08/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 688 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 688 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 682 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE2800 | Credit | Verified Liquid Assets Insufficient For Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. The total verified Assets of XXX are insufficient to cover the amount needed for closing costs and down payment of $XXX. XXX.The loan file contains an account Statement #XXX with ending date XX/XX/XXXX and balance of XXX.and an account Statement #XXX with ending date XX/XX/XXXX and balance of $XXX. XXX.The loan file is missing evidence of EMD paid/cleared from the borrowers’ account in the amount of XXX.At minimum XXX additional verified assets is required to cure this short to close. | Invalid — see comments on duplicate finding ; Duplicate finding |
09/08/2026 | Evidence of EMD paid/ cleared provided. Condition cleared.; Please provide evidence of EMD paid/ cleared from the borrowers’ account in the amount of XXX Evidence of the EMD check/wire is not present in file. Condition retained. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 682 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The total verified Assets of XXX are insufficient to cover the amount needed for closing costs and down payment of $XXX. XXX.The loan file contains an account Statement #XXX with ending date XX/XX/XXXX and balance of XXX.and an account Statement #XXX with ending date XX/XX/XXXX and balance of $XXX. XXX.The loan file is missing evidence of EMD paid/cleared from the borrowers’ account in the amount of XXX.At minimum XXX additional verified assets is required to cure this short to close. | Invalid — this was provided in the file — Wire details ; Your finding is not very clear as to what you are asking for — AUS — XXX Available Total Funds to be verified — XXX — Sufficient funds |
09/08/2026 | Funds are found to meet guidelines. Evidence of EMD paid/ cleared provided. Condition cleared.; Please provide evidence of EMD paid/ cleared from the borrowers’ account in the amount of XXX Evidence of the EMD check/wire is not present in file. Condition retained. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 682 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 682 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 681 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. AVM is required and is missing. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.93% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 681 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.93% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.93% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 657 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 679 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.74% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 679 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.74% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 662 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 676 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.43% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.43% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 667 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year. Cure package requires a PCCD and LOE. | Post CD | 08/20/2026 | Cure package provided to the borrower; exception downgraded to a 2/B |
08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 667 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The fraud report is incomplete. Only a partial page was provided; the remaining pages are missing | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 667 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 667 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 667 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 701 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 701 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 701 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 711 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 711 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 683 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 710 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.04% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.04% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 702 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | XXX XXX reflects in credit report in between recent XXX months and it reflects in Borrower 2 — W2 (XXX, XXX). Need explanation letter regarding this address. | Property owned by XXX, likely family member |
08/20/2026 | Lender provided a Property Detail for XXX, This property is owned by XXX, likely family member. Condition cleared. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.43% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.43% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 702 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.43% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.43% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 702 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.43% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.43% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 719 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.78% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.78% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 719 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.78% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.78% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 698 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. AVM is required and is missing. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.37% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 698 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Loan includes a buydown option. Missing the Buydown agreement and XXX must approve this. | Buydown Agreement |
08/13/2026 | Will remain a non material B grade, Buydown approved per XXX. ; Lender provided the signed buydown agreement. Pending approver from XXX. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.37% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | B | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 698 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.37% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.37% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 712 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing signed and dated documentation for sale departing property. | Invalid — Sale of departing Primary rebuttal: The borrower provided all executed contracts showing they sold departing to XXX which is a relocation company used for individuals relocating and needing assistance to sell their property. XXX acquire the property which contract is provided and that is why we have an additional sales contract reflecting the seller as XXX and not our borrower. |
08/17/2026 | Upon further review, lender provided all executed contracts showing the departing residence was sold to XXX which is the company the borrower used. XXX acquired the property per contract. Condition cleared. |
08/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 712 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 717 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 717 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 645 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing and is required per guidelines | Third Party Fraud Report is provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 645 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not disclosed on Data Tape. XXX to approve., | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
C | B | C | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | XXX received within tolerance. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
08/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliate Business Disclosure |
08/13/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 631 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 368 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.64% is less than Guideline LTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 368 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.64% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 368 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 08/17/2026 | Evidence of appraisal delivery provided.; Material |
08/18/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.64% is less than Guideline LTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 368 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Missing in file. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.64% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.64% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of month HOA Dues on subject property in the amount of $XXX/M | x | 08/19/2026 | Lender provided verification of the HOA for the subject property. Condition cleared. |
08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Appraisal is not in the file. Guidelines overlay dos not accept PIWs | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 707 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 665 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Rescinded | FCRE0404 | Credit | The Interested Party Contributions exceed the XXX | Interested Party Contributions exceed XXX. On the Property page, navigate to the XXX Contract card and reduce the Sales Price by the excess amount. Please re-run the AUS by lowering the XXX price by $XXX. Additional conditions may apply. | Invalid — XXX from XXX = XXX — IPC/Seller Credit = XX/XX/ XXXX |
09/08/2026 | Upon further review IPC do not exceed. Condition rescinded.; Escalated to Management for review. |
09/14/2026 | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 665 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 665 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 665 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 665 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 644 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The Third-party fraud report is required as per deal guidelines, but the fraud report is missing, hence updated missing. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 644 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 695 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 695 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 661 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report Is missing in the file. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 661 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 661 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 654 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | B | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. | Will remain a non material B grade, PIW approved per lenders data tape. ; PIW is not on Data Tape. XXX to approve. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | B | B | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The appraisal in the file is from XXX | PIW — Cleared; Appraisal is Present or is Waived |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 365 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | DTI is ok per Tape data. Condition cleared.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.17% is less than Guideline LTV of 80% |
D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 666 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Fraud report | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 666 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 666 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 666 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 715 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.85% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.85% is less than Guideline CLTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 715 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.85% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.85% is less than Guideline CLTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 715 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.85% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.85% is less than Guideline CLTV of 80% |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 671 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 08/20/2026 | Evidence of appraisal delivery provided.; Material |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 671 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Fraud Report | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 671 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 671 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. POTENTIAL UNDISCLOSED LIABILITY OR PROPERTY — XXX additional property(ies) may be owned by an individual with the same name and social security number as the Borrower(s). The property(ies) may have been acquired within the last XXX month(s), are NOT the Subject Property, Current Residence or listed on the borrower’s Schedule of REO. Properties identified: (XXX XXX). Please provide a property profile showing no ownership or revised 1003/XXX/AUS. Additional conditions may apply. | XXX is listed on the borrowers’ 1003 as a second home. | | XXX is also listed on the borrowers’ 1003 as a second home. |
09/10/2026 | Upon further review, XXX is listed on the borrowers’ 1003 as a second home. XXX is also listed on the borrowers’ 1003 as a second home. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not disclosed on Data Tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 376 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 713 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo Approval is Missing | CPM | 08/20/2026 | Condo Approval is Present. Established Condo. Condition cleared.; Condo Approval Missing. Condo approval is Missing.; Material |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 08/17/2026 | Evidence of appraisal delivery provided.; Material |
08/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Lender provided the third-party fraud report for the borrower(s) All high alerts have been addressed. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 370 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 716 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 697 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing documentation verifying the monthly rental amount for Borrower XXX | Invalid — OO Primary and the DU is not requiring a VOR |
08/18/2026 | Upon further review, Verification of Rent (VOR)/ Verification of Mortgage (VOM) not required per AUS. Condition cleared. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 697 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Invalid — this was provided in file |
08/18/2026 | Evidence of eConsent is provided.; Material |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 697 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score XX/XX/XXXX | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 697 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 706 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing photo ID and Patriot Act for borrowers | x | 08/21/2026 | US Patriot Act Disclosure provided for the borrowers. Condition cleared.; Material |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.78% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 706 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.78% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 670 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM is required due to CU score of XX/XX/XXXX | Lender provided the CCA for the subject property. Value of XXX within tolerance. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
09/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 670 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | x | 08/26/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 670 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 704 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 704 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 704 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 703 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 703 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 396 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.58% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 396 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI - | 08/21/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.58% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 396 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.58% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 396 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for Title Deed Prep Fee (paid to a provider of lender) and from XXX to XXX for the Mortgage Recording Fee. A COC was not in the file. | COC | 08/21/2026 | Valid COC with applicable LE provided; exception resolved ; Valid COC with applicable LE provided; exception resolved |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.58% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 396 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/21/2026 | Evidence of appraisal delivery provided.; |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.58% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.58% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 503 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing. HOA Questionnaire is missing from file. | I do not see any indication that this property is a condo. The deed includes a PUD Rider, but that would not require an HOA Questionnaire. Additionally, even if it was a condo the Agencies do not require a project review on detached homes. |
08/21/2026 | Upon further review, property is a detach PUD. HOA questionnaire is not required. Condition cleared. |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 503 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | XXX received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 503 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 503 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | C | A | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 511 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Title-Title Insurance Fee of XXX and the addition of the Title-Examination Fee of $XXX. The lender did not allow the borrower to shop for the title settlement fees and all additional fees added are subject to XXX% tolerance. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Breakdown of the “Additional Charges” lumped together on the Initial LE. |
08/21/2026 | Lender provided breakdown of additional charges on the LE; exception resolved; Lender provided breakdown of additional charges on the LE; exception resolved |
08/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.48% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 511 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.48% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 511 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.48% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 511 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.48% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/14/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/17/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 506 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 501 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.96% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 504 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 494 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is XX/XX/XXXX | Lender provided the CCA for the subject property. Value of XXX within tolerance. Condition cleared.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). AVM shows a value of XXX compared to the appraisal of XXX a (- XXX%) variance. DD Firm to order. |
09/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 66% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 494 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 66% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 532 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Loan contains a buydown feature, this must be approved by XXX, also missing lenders signed buydown agreement. | Document Uploaded. ; AUS Partially Provided. Loan contains a buydown feature, this must be approved by XXX, also missing lenders signed buydown agreement. |
09/09/2026 | Buydown agreements provided, investor acknowledges exception. Final grade will be a XXX.; Buydown agreement provided. Condiition cleared. ; ; Will remain a non material B grade, Buydown approved per XXX. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 532 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 515 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing and is required per guidelines, please upload to the system | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.17% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/24/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.17% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.17% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 495 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery |
08/24/2026 | Evidence of appraisal delivery provided.; |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.17% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | This ULI is valid; ULI |
08/31/2026 | Upon further review, the ULI provided is valid. Condition cleared. ; Upon further review, the ULI provided is valid. Condition cleared. ; XXX provided by the lender is showing as invalid per ffiec fpb ov. Condition retained. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/25/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | E-sign; eSigned Consent Disclosure |
08/31/2026 | Evidence of eConsent is provided.; e consent provided does not indicate it was consented to by the borrower; there is no name listed that matches the borrowers name; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 550 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 519 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Provide Initial Escrow Account Disclosure. | Initial Escrow Account Disclosure |
08/19/2026 | Initial Escrow Account Disclosure is Resolved.; |
08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 519 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 549 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 549 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 531 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Loan contains a buydown feature, XXX must approve this. Missing buydown agreement. | Please review the uploaded buydown agreement. It was approved by XXX to accept with the agreement |
09/09/2026 | Buydown agreement provided, investor acknowledges exception. Final grade will be a B. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 531 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Lender provided the CCA for the subject property. Value of XXX within tolerance, Risk Score Low. Condition cleared. |
09/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.17% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/27/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.17% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points — Loan Discount Fee. The violation may be cured by providing a revised disclosure within XXX business days of rate lock date of XX/XX/XXXX. | CIC for lock with corresponding LE |
08/24/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.17% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 492 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.17% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.17% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/25/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/25/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | In the Final 1003, Section 2D, the borrower has listed Other liability of XXX However, we were unable to locate any supporting documentation for this liability in the loan package. Could you please provide the supporting document for the reported amount | Corrected 1003 |
08/25/2026 | Lender provided an updated 1003. For B2 under section 2d. Other Liabilities and Expenses, the other liability of XXX has been removed and checked “Does not Apply”. Condition cleared. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 508 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 524 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 573 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 571 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/24/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 571 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 552 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 509 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Final CD — disbursed XX/XX/ XXXX |
08/21/2026 | Hazard Insurance Effective Date of XX/XX/ XXXX is prior to or equal to the Disbursement Date of XX/XX/ XXXX Or Hazard Insurance Effective Date Is Not Provided. |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.71% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 509 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure. Documentation required to clear exception: There’s no evidence of the CD issued XX/XX/XXXX in the loan file. | Final CD | 08/21/2026 | TRID: Final Closing Disclosure Provided. |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.71% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 509 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.71% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 539 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/XX/ XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
08/31/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 539 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 539 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved on lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 517 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/14/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/17/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 517 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 561 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Busines |
08/26/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.83% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.83% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 561 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Consent | 08/26/2026 | Evidence of eConsent is provided.; |
08/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.83% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.83% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 561 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.83% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.83% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 530 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE9178 | Credit | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Per FNMA B3-XXX- XXX, if a borrower doesn’t have at least one credit score, the lender must utilize section B3- XXX- XXX. This section indicates that if at least one borrower has a score, DU will complete a regular risk assessment. Since the DU provided an Approve/ Eligible even though there’s no score for XXX, this tells us her lack of score is acceptable. ; DU cert item #XXX reflects three scores: XXX and XXX | Credit report dated XX/ XX/XXXX is in file. |
09/01/2026 | Upon further review, Per B3- XXX-XXX: Under XXX guidance, a borrower with no credit score is not automatically ineligible. XXX specifically allows DU submissions where at least one borrower has a credit score and at least one borrower does not, subject to the applicable nontraditional credit requirements. The key point is that an Approve/ Eligible recommendation indicates DU accepted the as efile and performed its risk assessment using the information provided. Condition cleared.; Audit reviewed the lender’s response. No credit scores were provided for B1. Please provide the CBR. Condition retained. ; ; Borrower(s) FICO score meets guidelines.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 530 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 560 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | x; US Patriot ACT |
08/28/2026 | US Patriot Act Disclosure or ID provided. Condition cleared.; Missing US Patriot Act Disclosure or ID.; | 08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 560 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 560 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/26/2026 | Required Affiliated Business Disclosure Documentation Provided.; | 08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 560 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Consent | 08/26/2026 | Evidence of eConsent is provided.; | 08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 560 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/07/2026 | Resolved | FPRO1137 | Property | The XXX was not licensed (Primary Value) | Primary Value XXX’s license was not effective prior to the Valuation Date or expired prior to the Valuation Date. | certificate is dated XX/XX/ XXXX and expires XX/XX/ XXXX | License has been renewed through XX/XX/ XXXX |
08/21/2026 | Lender provided the certificate dated XX/XX/XXXX and expires XX/XX/XXXX. License has been renewed through XX/XX/ XXXX per ASC ov. Condition cleared. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 525 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 545 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE0404 | Credit | The Interested Party Contributions exceed the XXX | Interested Party Contributions exceed XXX. On the Property page, navigate to the XXX Contract card and reduce the Sales Price by the excess amount. Interested Party Contributions exceed closing costs. Please re-run the AUS by lowering the XXX price by $XXX. Additional conditions may apply. | Please escalate to someone who understands how to calculate XXX. Section XXX = XXX plus XXX and XXX XX/ XX/XXXX = XXX; Duplicate finding |
09/08/2026 | Upon further review, XXX + XXX + $XXX= XXX is greater than $XXX. Condition cleared. ; Escalated to Management for review.; Audit reviewed the lenders response. The Interested Party Contribution of XXX (Seller Credit) exceeds the total closing cost (Section J Borrower Paid) of XXX by $XXX. The only way to clear is to adjust the price on the AUS. Please reduce the sales price by XXX and rerun the AUS. Condition retained. |
09/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 545 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. | 09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. | 08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 522 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders Data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the final CD dated XX/XX/XXXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | CIC for lock extension resulting in addition of discount points |
08/25/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.15% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.15% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report missing. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. | 08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.15% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.15% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.15% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.15% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 507 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.15% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.15% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 528 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE0404 | Credit | The Interested Party Contributions exceed the XXX | Interested Party Contributions exceed XXX. On the Property page, navigate to the XXX Contract card and reduce the Sales Price by the excess amount. Please re-run the AUS by lowering the XXX price by $XXX. Additional conditions may apply. | Please escalate to someone who understands how to calculate XXX. Section XXX XXX + XXX XXX plus XXX XX/ XX/XXXX = XXX — your finding is incorrect/ invalid; This is also invalid — XXX = XXX — Seller Credit = XXX |
09/08/2026 | Upon further review, the HOA assessments can be included as well as the appraisal fee that was paid outside of closing by the borrower. XXX + XXX + XXX = XXX > $XXX. Condition cleared. ; Escalated to Management for review. ; Audit reviewed the lenders response. The Interested Party Contribution of XXX (Seller Credit XXX + Seller paid Discount Points $XXX) exceeds the total closing cost (section J) of XXX by $XXX. The only way to clear is to adjust the price on the AUS. Please reduce the sales price by XXX and rerun the AUS. Condition retained. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 528 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; | 08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 528 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 543 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/26/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 543 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 516 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | esign consent; eSigned Consent Disclosure |
08/27/2026 | Evidence of eConsent is provided.; electronic consent provided indicates a date of XX/XX/ XXXX; Documentation required. 1st e- signed document in the file is dated XX/XX/ XXXX, however missing proof of e-consent dated XX/XX/ XXXX or before.; |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 516 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. B1 and B2 REO Property and Land does not have sufficient supporting documents for expenses. | PITI for REO |
08/14/2026 | Lender provided the verification of taxes, insurance, and/ or HOA fees for XXX. Upon further review, tax documentation for land located in XXX in file. Condition cleared. |
08/17/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 516 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM or Third Party Valuation Product is not available in the Package as the CU Score is XX/XX/XXXX | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 516 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 498 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/24/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.32% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 498 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.32% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 538 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Collateral XXX Risk Score is XXX | Lender provided the CCA for the subject property. Value of XXX within tolerance. Condition cleared; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 538 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/27/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 538 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 537 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 575 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 502 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Consent | 08/24/2026 | Evidence of eConsent is provided.; |
08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 502 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 502 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 502 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders Data Tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 553 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosur |
08/24/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 553 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Condition resolved as XXX came back within tolerance.; |
08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 553 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 553 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 563 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 535 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence of Appraisal Delivery to Borrower |
08/21/2026 | Evidence of appraisal delivery provided.; |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 535 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. a CDA is required | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 535 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 556 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 556 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 520 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Property Inspection Waiver Used at Origination | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 520 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 520 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/07/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 527 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/25/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 527 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 533 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 587 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery t |
08/24/2026 | Evidence of appraisal delivery provided.; |
08/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.72% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.72% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 587 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.72% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.72% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 587 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA received — no level XXX discrepancies — condition cleared ; HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.72% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.72% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 617 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. The loan contains a buydown feature, requires approval from XXX. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | B | D | B | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 617 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM4227 | Compliance | TRID: Missing Closing Disclosure | Documentation required to clear exception: Please provide the full Closing disclosure dated XX/XX/XXXX as page XXX is missing from the file | Final CD with LOE |
08/25/2026 | CD provided; exception resolved |
08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 617 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | B | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 586 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 622 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 622 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 622 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 581 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.98% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 615 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. The loan contains a buydown feature, requires XXX approval. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | B | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 615 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared; Property/ Appraisal Meets Guidelines. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 615 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 595 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 588 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 608 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Tax, HOI and HOA for NON subject property | 08/27/2026 | Verification of taxes, insurance, and/ or HOA fees for XXX XXX. Condition cleared. ; Verification of taxes, insurance and HOA Fees provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 608 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 608 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 608 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 598 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3719 |
Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Lender confirmed credit services is for the credit report; exception resolved | Per the client: This is the invoice from credit services. It bundles all the credit reports/soft pulls used up until closing.; TILA PASS; The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by $XXX. The following fees included are: Discount points XXX Title Closing XXX Title Courier XXX and Prepaid Interest $XXX. |
09/11/2026 | XXX provided shows lender excluded credit services bundle. Please confirm if this fee was entirely for the credit report or if it included other costs |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.89% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 598 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.89% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 598 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.89% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 598 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.89% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 602 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure | 08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 591 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 618 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery to Borrower |
08/24/2026 | Evidence of appraisal delivery provided.; |
08/25/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 618 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 607 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is missing from file. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 607 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 607 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 584 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 584 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 584 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure and page XXX of Note both showing XXX; Affiliated Business Disclosure |
08/31/2026 | Required Affiliated Business Disclosure Documentation Provided.; The name of the lender on the ABA does no list the name of the lender on the note. ; |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 584 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. |
08/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 594 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.07% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.07% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 594 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.07% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.07% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 594 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.07% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.07% is less than Guideline LTV of 80% |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM received within tolerance. Condition cleared.; Third party valuation product provided within tolerance. |
08/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 585 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 600 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed. | Intent to Proceed |
08/21/2026 | Proof of Intent to Proceed has been provided.; |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 600 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence of Appraisal Delivery |
08/21/2026 | Evidence of appraisal delivery provided.; |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 600 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 612 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
08/25/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 612 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA received — no level XXX discrepancies — condition cleared ; HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 576 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.33% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.33% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 576 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.33% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.33% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 574 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. The appraisal was delivered electronically, therefore requiring an eConsent. | Affiliated Business Disclosure; x |
09/03/2026 | Evidence of eConsent is provided.; E- cosenent provided is not for the lender; |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.96% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 574 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.96% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. The file contains a U. Patriot Act form on page XXX However, the document is blank. | Identification | 08/19/2026 | US Patriot Act Disclosure or ID provided.; Lender provided the borrower’s ID. Condition cleared.; |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 624 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 597 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/11/2026 | Resolved | FCRE1352 | Credit | Borrower 2 Business Tax Returns Missing | Borrower 2 Business Tax Returns Missing. Missing pages of Co borrowers XXX and XXX 1120S for income calculation. | Tax Returns | 08/28/2026 | XXX and XXX 1120S and K-XXX’s Provided. Condition cleared. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 597 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 597 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 609 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1241 | Credit | XXX Contract is Missing | XXX is XXX but XXX Contract Doc is Missing. | XXX Contract |
08/24/2026 | Lender provided the signed XXX Contract. Condition cleared.; XXX Contract Doc is not Missing, or is Not Applicable.; XXX Contract Doc is not Missing, or is Not Applicable.; XXX Contract Dos is provided; XXX Contract Dos is provided; XXX Contract Doc is not Missing, or is Not Applicable.; XXX Contract Dos is provided; XXX Contract Doc is not Missing, or is Not Applicable. |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.63% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.63% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 609 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.63% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.63% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 603 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 605 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.98% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 605 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.98% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.98% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 569 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. |
08/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.26% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.26% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 569 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.26% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.26% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 569 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.26% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.26% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 572 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE0404 | Credit | The Interested Party Contributions exceed the XXX | Interested Party Contributions exceeds XXX. Please provide an updated AUS/XXX/Loan Approval reflecting the sales price reduced by $XXX. Interested Party Contributions exceed XXX. Please provide an updated AUS/Loan Approval reflecting the sales price reduced by $XXX. | Please escalate to someone who understands how to calculate XXX. Total borrower closing costs is Section J — D+! = XXX + A XXX Points — XXX + K09 — XXX = XXX your finding is invalid; Invalid — XXX = XXX. Seller Credit/IPC = XX/XX/ XXXX |
09/08/2026 | Upon further review, total borrower closing costs is Section J — D+I = XXX + A XXX Points — XXX + K09 — XXX = XXX. Condition cleared. ; Escalated to Management for review.; Audit reviewed the lender’s response. The Interested Party Contribution of XXX (Seller Credit) + XXX (Discount Points paid by Seller), exceeds the total closing cost of $XXX. The only way to clear, is to adjust the price on the AUS. Please reduce the sales price by XXX and rerun the AUS/ XXX/Loan Approval. Condition retained. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 620 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 613 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery to Borrower |
09/11/2026 | Evidence of appraisal delivery provided.; |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 613 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 613 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 614 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Loan contains a buydown feature, this will require approval from XXX. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | B | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 614 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing. | XXX | 08/31/2026 | Borrower 1 Executed XXX-T Provided. Condition cleared. |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 614 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/14/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 614 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 626 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | Identification | 08/19/2026 | ID provided for the borrower and co borrower. Condition cleared.; |
08/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 626 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1364 | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed 4506-T Missing. | x | 08/24/2026 | Borrower 2 Executed XXX-T Provided. Condition cleared. |
08/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing. | x | 08/24/2026 | Borrower 1 Executed XXX-T Provided. Condition cleared |
08/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 596 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is missing. | Third party valuation product provided within tolerance. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing. The Final 1003 is Missing in file. | Final 1003 | 08/26/2026 | The Final 1003 the B1 and B2 provided. Condition cleared. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 619 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 604 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated Business Disclosure |
09/04/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 604 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 580 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.64% is less than Guideline CLTV of 80% Calculated CLTV of 63.64% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.64% is less than Guideline LTV of 80% Calculated LTV of 63.64% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 616 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Appraisal Delivery |
09/14/2026 | Evidence of appraisal delivery provided.; | 09/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 616 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 568 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. | 08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 568 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; | 08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 568 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 578 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | AVM received within tolerance. Condition cleared.; Property/Appraisal Meets Guidelines.; TPV Required. XXX to order | 08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 578 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 589 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/25/2026 | Required Affiliated Business Disclosure Documentation Provided.; | 08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 589 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required — CU score is Greater than XXX. | Third party valuation product provided within tolerance. | 08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 589 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 599 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Rescinded | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | TRID PASS |
08/18/2026 | Title — Municipal tax was not paid to an affiliate; exception resolved, loan no longer fails point and fees test. Exception resolved. Title
— Municipal tax was not paid to an affiliate; exception resolved; TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title — Municipal Tax. A cure of XXX was provided at consummation and applied to the credit fee increase. |
08/19/2026 | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 599 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.88% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.88% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. As per AUS Qualified Asset — XXX Trust Account account Statement is missing. Provide recent asset Statement. | x; The loan application date is XX/XX/ XXXX therefore the XXX Statements were current at that time XX/XX/ XXXX- XX/XX/ XXXX |
08/28/2026 | Lender provided a revised AUS/XXX/1003. XXX account ending XX/XX/XXXX with a balance of $XXX provided. Condition cleared. ; Asset Record XXX Meets G/L Requirements; Audit reviewed the lender response. Borrower was approved with XXX a month from the Trust, and on the Final 1003, XXX account ending XX/XX/XXXX with a balance of XXX is missing from the file. Please provide the Statement or a corrected 1003. Condition retained. |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Rescinded | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing. Exception tied to Final CD: Non-Escrowed inaccurate or missing | Escrow Waiver |
08/21/2026 | Document not required | 08/31/2026 | D | B | D | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing. | x | 08/28/2026 | Borrower 1 Executed XXX-T Provided. Condition cleared. | 08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | x | 08/28/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; | 08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year. Cure package requires a PCCD and LOE | Post CD | 08/27/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 08/28/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 621 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 08/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.93% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.93% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 562 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/17/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Guideline Minimum Fico score XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 562 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Guideline Minimum Fico score XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 562 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Guideline Minimum Fico score XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 610 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. The loan contains a buydown feature, must be approved by XXX. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | B | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 610 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 610 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 610 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/11/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 582 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 582 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing AVM, XXX to order. | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 582 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 593 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Appraisal delivery |
08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | esign consent |
08/19/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing.; |
09/01/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required. XXX to order. | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 601 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA CU score is greater than XXX AVM is required | Third party valuation product provided within tolerance. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 625 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 570 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test | Without evidence of receipt, using the mailbox rule, it is assumed the closing disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Initial CD |
08/21/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.07% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.07% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 570 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.07% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.07% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 592 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report document missing in file | Third Party Fraud Report is provided. Condition cleared. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 592 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 592 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
08/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | XXX: Per XXX, property owned by XXX and XXX | Borrowers XXX and XXX | Not our borrowers. | | | XXX : Per XXX, property owned by XXX | Borrowers XXX and XXX | Not our borrowers |
09/10/2026 | Lender provided the property profiles. XXX: Per XXX, property owned by XXX and XXX Borrowers XXX and XXX Not our borrowers. XXX: Per XXX, property owned by XXX Borrowers XXX and XXX Not our borrowers. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist.; Fraud Report Shows Uncleared Alerts. Potential Ownership Issue An additional property(ies) may be owned by an individual with the same name and social security number as the Borrower(s). The property may have been acquired within the last XXX month(s), are NOT the Subject Property, Current Residence or listed on the borrower’s Schedule of REO. Properties identified: XXX. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. | COC | 08/26/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan discount points. | COC | 08/26/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required – CU score is Greater than XXX. | Third party valuation product provided within tolerance. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. AUS must be Accept Eligible. AUS#XXX (LP) is Accept Ineligible. Please provide updated AUS Accept Eligible. Additional conditions may apply. | Revised AUS |
08/31/2026 | AUS submission XXX Approve Eligible provided. Condition cleared. ; AUS is not incomplete. |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.26% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.26% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.26% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.26% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is Required — CU score is Greater that XXX. | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing required TPV, XXX to order. | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per ;lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Fraud report provided. Possible un-disclosed property. XXX, XXX. Please provide a property profile showing no ownership or revised 1003/XXX/AUS. Additional conditions may apply. | Per XXX, property owned by XXX, deed signed by XXX XXX. | Borrower is XXX XXX and XXX | Not our borrowers |
09/09/2026 | Property Profile provided. Owned by XXX, deed signed by XXX XXX. Borrower is XXX XXX and XXX Not our borrowers. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Valid COC provided; exception resolved | correct COC; COC for discount points increase; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points increase on CD XX/XX/XXXX without a valid COC. |
09/08/2026 | COC shows change date is XX/XX/ XXXX which is after consummation. Please confirm date of change |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 367 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.41% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.41% is less than Guideline CLTV of 80% |
D | B | B | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. | x | 08/26/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided. Condition cleared. |
08/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 490 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 490 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 80% |
C | B | B | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 490 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 490 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 80% |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 445 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 445 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 445 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/25/2026 | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 445 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/14/2026 | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 445 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 480 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 480 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 480 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. Potential Ownership Issue An additional property(ies) may be owned by an individual with the same name and social security number as the Borrower(s). The property may have been acquired within the last XXX month(s), are NOT the Subject Property, Current Residence or listed on the borrower’s Schedule of REO. Properties identified: XXX, XXX. | Per XXX, property owned by XXX XXX. | Borrower XXX | Not our borrower. |
09/09/2026 | Property profile provided. XXX and XXX. Borrower XXX Not our borrower. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist. |
09/10/2026 | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the final CD dated XX/XX/XXXX. There is no COC in file that shows a valid reason for this fee increase. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | COC for discount increase |
08/24/2026 | Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved |
08/25/2026 | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCOM4227 | Compliance | TRID: Missing Closing Disclosure | Compliance report in the file shows a revised CD dated XX/XX/XXXX and a PCCD dated XX/XX/XXXX were issues however these disclosures are missing from the file. | XX/XX/ XXXX CD |
08/20/2026 | CD provided; exception resolved |
08/21/2026 | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence of Appraisal Delivery |
08/20/2026 | Evidence of appraisal delivery provided.; |
08/21/2026 | D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 747 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/14/2026 | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.73% is less than Guideline LTV of 80% |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.73% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points and XXX to XXX for the appraisal re-inspection fee. The discount points increased on LE XX/XX/XXXX without a COC or other supporting documentation. The appraisal re-inspection fee was added to LE XX/XX/XXXX. The COC dated XX/XX/XXXX wasn’t accepted because it States additional service necessary based on title or appraisal report. The appraisal report showing subject to was received on XX/XX/XXXX per the UCDP submission report, so the fee wasn’t disclosed within XXX business days of change. | COC | 08/28/2026 | Valid CO provided; exception resolved; Valid CO provided; exception resolved |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.73% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. The fee changed from XXX to XXX on LE XX/XX/XXXX then to XXX on the FCD XX/XX/XXXX. The COC dated XX/XX/XXXX wasn’t accepted because it does not provide a valid reason for the increase. | COC | 08/28/2026 | reviewed settlement Statement for corrected recording fee; exception resolved; reviewed settlement Statement for corrected recording fee; exception resolved |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.73% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.73% is less than Guideline LTV of 80% |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 395 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared.; Third Party Fraud Report is provided. |
08/26/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.73% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.73% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 748 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared.; Third Party Fraud Report is provided. |
08/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.23% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 748 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). DD Firm to order. |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.23% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 748 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.23% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 748 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.23% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 482 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 364 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; The ULI provided is not valid per ffiec fpb ov. Condition retained. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 364 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; HMDA Complete — Other finding added.) |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 364 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. | Appraisal delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 364 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. Missing evidence that the mortgage is XXX and paid current through XX/XX/XXXX. Client overlay for mortgage history is max XXX. The last paid date is XX/XX/XXXX per the credit report. A mortgage Statement was not provided prior to closing. The Pay-Off Statement reflects due for the XX/XX/XXXX payment interest padded through XX/XX/XXXX. | Please see attached |
08/27/2026 | Lender provided the payment history. No lates. Condition cleared. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 364 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 364 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing WVOE to calculate income for B1 that includes YTD, XXX & XXX earnings to support XXX monthly Base, XXX monthly Overtime and XXX monthly Other earnings. | Income and Employment Meet Guidelines. Missing WVOE to calculate income for B1 that includes YTD, XXX & XXX earnings to support XXX monthly Base, XXX monthly Overtime and XXX monthly Other earnings. |
08/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 454 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.09% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 454 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.09% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 454 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Appraisal Delivery | 08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.09% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 454 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing. Income was approved per AUS. Please submit XXX verifying this income or Borrower 1 Paystubs and most recent W2 and paystubs. | WVOE | 08/26/2026 | Lender provided the WVOE for the borrower. Condition cleared. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.09% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 318 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 318 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Since this was not insured at the time of closing, the agent will not provide anything |
08/27/2026 | Lender provided an LOE. Between the dates of XX/ XX/XXXX (Closing) and XX/XX/ XXXX (effective date of insurance), XXX has not been notified or made aware of any insurance claims against the property by the consumer or applicable third party. As of XX/ XX/XXXX the insurance policy became effective and remains in effect until its Stated expiration date of XX/ XX/XXXX. Condition cleared. ; Hazard Insurance Effective Date of XX/ XX/XXXX is prior to or equal to the Disbursement Date of XX/ XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 318 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 444 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD XX/XX/XXXX per compliance report in file, is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | XX/XX/XXXX initial CD; Initial Closing Disclosure Delivery | 08/31/2026 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved; The file did not contain a copy of the CD issued on XX/XX/ XXXX; please provide to resolve |
09/01/2026 | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 444 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI — page XXX | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 444 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; The ULI provided is not valid per ffiec fpb ov. Condition retained. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The borrower signed the XXX day appraisal delivery waiver but there is no evidence a copy of the appraisal was provided at closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery | 08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 380 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | CCA received within tolerance. Condition cleared.; AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). AVM shows a value of XXX compared to the appraisal of XXX a (- XXX%) variance. DD Firm to order. |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 478 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is required. XXX to order. | AVM received within tolerance. Condition cleared. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Cure package provided to the borrower; exception downgraded to a B | cure; coc; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the discount points fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. |
09/09/2026 | COC indicates change date is XX/XX/ XXXX, however it was not disclosed until XX/ XX/XXXX which nis not considered timely |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Fraud report | Third Party Fraud Report is provided. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/26/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 375 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 419 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 419 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 419 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 419 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 419 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 455 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 379 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 379 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 379 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 379 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 379 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 363 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.2% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.2% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE1203 | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report. | Potential Fraud Reflected on Fraud Report is Resolved or None Exists. |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.2% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.2% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | XXX: This is the primary home of the co- borrowers XXX and XXX | | XXX: Per XXX, property is owned by XXX and XXX. Not our borrowers. |
09/09/2026 | All Fraud Report Alerts have been cleared or None Exist.; Fraud report provided. Possible un- disclosed property/ Properties: XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.2% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.2% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.2% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.2% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.2% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.2% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 321 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.2% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.2% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX, property owned by XXX. | Borrower XXX |
09/09/2026 | Property profile provided shows owned by XXX. Borrower XXX. Condition cleared.; Fraud report provided. Possible un- disclosed property/ Properties: (XXX XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 331 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 465 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing. No PUD Rider, the Appraisal Report reflects the subject property as a PUD. | Per HOA website, the dues are voluntary. Per FNMA B4-XXX- XXX, their definition of a PUD includes mandatory dues. In this case, since they are voluntary a PUD Rider is not required. | |
08/26/2026 | Upon further review, XXX’s definition of a PUD requires automatic, non- severable HOA membership and mandatory assessments. A voluntary HOA does not satisfy those requirements. Also States that zoning or a subdivision being commonly referred to as a PUD is not, by itself, sufficient to classify the project as a PUD. No deed restrictions listed on the Title, Final CD does not list HOA. |
08/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report in package. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM or Desk Review not provided | Third party valuation product provided within tolerance. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal response |
08/26/2026 | Evidence of appraisal delivery provided.; |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 310 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 443 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
09/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 443 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCOM1851 | Compliance | Incorrect rescission model used — RTC form model H-XXX used for Same Lender or Lender Affiliate XXX | Incorrect rescission model used — RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX. Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. This exception is downgraded due to State/circuit court. | This response is not making any sense. There is no affiliation between XXX & XXX — this is not a Lender to Lender XXX. | | XXX is the NEW lender; This response is not making any sense. There is no affiliation between XXX & XXX — this is not a Lender to Lender XXX.; This is not the same lender to lender refiance. The original loan was through XXX, this loan was closed and refnanced through XXX. This is a new creditor. Please Rescind this transaction; per your exception: This exception is downgraded due to State/circuit court. | Please downgrade due to State/circuit court.; RTC response |
09/10/2026 | Correct RTC form has been provided.; The title #XXX on page XXX of the loan file shows the original lender was XXX, the note also shows the lender as XXX therefore it is considered same lender regardless of who XXX the loan. requires the use of the H-XXX right to cancel; Material; Title shows the original lender on the mortgage being XXX is XXX bank which is the same lender on the subject note therefore an H9 right to cancel would be required. Subject located in XXX therefore downgraded to a B; ; Incorrect rescission model used — RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX. ; |
09/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 443 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. According to the guidelines, a fraud report is required. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 443 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 443 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report Required | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/26/2026 | Evidence of appraisal delivery provided.; |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/26/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 423 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | XXX received within tolerance. Condition cleared. ; Property/ Appraisal Meets Guidelines. |
09/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 488 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.21% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 488 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.21% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 488 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.21% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 488 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.21% is less than Guideline LTV of 80% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing | Third Party Fraud Report is provided. | 09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW’s not allowed per overlays. | Investor acknowledges exception. Final grade will be a B. | 09/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. | 09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Is required per guidelines | Will remain a non material B grade, PIW approved per lenders data tape. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance, confidence score of XXX% does not meet XXX% requirement. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 448 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/Appraisal Meets Guidelines. | 08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.21% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. | Please see attached; WVOE |
09/08/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided. Condition cleared.; Lender provided the WVOE’s for Borrower 2. Please provide Borrower 1 3rd Party VOE Prior to Close. Condition retained. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/26/2026 | ULI provided. ; The ULI provided is not valid per ffiec fpb ov. Condition retained. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. | 09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s | Will remain a non material B grade, PIW approved per lenders data tape. | 09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal response |
08/26/2026 | Evidence of appraisal delivery provided.; | 08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | XXX received within tolerance. Condition cleared.; Property/Appraisal guideline violation: Confidence score of XXX% doe snot meet the XXX% requirement. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 466 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | HOA Dues was missing in the file so created condition for missing however monthly payment of XXX has been taken from 1003 to match the DTI | HOA | 08/19/2026 | Lender provided evidence of the HOA for the XXX in the amount of $XXX. Condition cleared. |
08/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. | 09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 579 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/26/2026 | Required Affiliated Business Disclosure Documentation Provided.; | 08/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 298 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report missing. | Third Party Fraud Report is provided. | 09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number | Originator | Last Name |
Note Date |
Original Balance | State | TPR QM ATR Status |
Loan Status |
Exception Date | Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 298 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.28% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.28% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.28% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 394 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 36.28% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 36.28% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 759 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/26/2026 | ULI provided.; The ULI provided is not valid per ffiec fpb ov. Condition retained. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 759 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 759 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing. | Third-party fraud report provided for the borrower(s). Condition cleared. |
08/31/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 759 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | Appraisal delivery |
08/26/2026 | Evidence of appraisal delivery provided.; |
08/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing fraud report | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. XXX to order. | Third party valuation product provided within tolerance. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 464 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.07% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.07% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.07% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.07% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | XXX received within tolerance. Condition cleared.; XXX received within tolerance. Condition cleared.; Property/ Appraisal guideline violation, Confidence score of XXX% does not meet requirement of at least XXX% variance. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.07% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.07% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.07% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.07% is less than Guideline LTV of 80% |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 442 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.07% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.07% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third party valuation product provided within tolerance. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 757 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is Missing In the Package | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original LTV is Below the Guideline Maximum — Calculated LTV of 51.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing. | Third-party fraud report provided for the borrower(s). Condition cleared.; Third Party Fraud Report is provided. |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared.; ULI provided. Condition cleared.; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared.; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 409 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.95% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.95% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.95% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.95% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.95% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.95% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.95% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.95% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 427 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.95% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.95% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 303 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 303 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM shows a value of XXX compared to the appraisal of XXX a (- XXX%) variance. DD Firm to order. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.98% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.98% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.98% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel for both borrowers. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)) pen-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | pccd | 08/28/2026 | PCCD provided with updated disbursement date; exception resolved, loan no longer fails recession testing. PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved |
08/31/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.98% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.98% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 402 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.98% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.98% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud reports are required; | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: FNMA CU score is Greater than XX/XX/XXXX and AVM or CDA also missing in this file. | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Cured | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title-Escrow Fee and from XXX to XXX for Title — Lender’s Title Insurance. Title fees are tested at XXX% tolerance due to no provider listed on the service provider list. | cure | 09/10/2026 | Cure package provided to the borrower within XXX days of discovery ; exception downgraded to a B; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third- party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). |
09/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. ; The ULI provided is not valid per ffiec fpb ov. Condition retained. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing in the package. Guidelines requires fraud report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Missing W2. Income and Employment Do Not Meet Guidelines. | WVOE | 08/26/2026 | Lender provided the WVOE. Condition cleared. |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 378 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is Required. XXX to order. CU Score is XX/XX/XXXX (exceeds XX/XX/XXXX threshold) | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not included in the file. Please provide the fraud report, as it is required | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX, property owned by XXX | Borrowers XXX and XXX |
09/09/2026 | Property profile provided. XXX owned by XXX Borrowers XXX and XXX. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist.; Fraud report provided. Possible un- disclosed property/ Properties: XXX, XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. As per guidelines need of Fraud report for the loan. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Third-Party Valuations, UCDP FNMA — CU Score is XX/XX/XXXX & UCDP FHLMC — LCA is XXX In this case, we need Desktop underwriting or AVM. But those documents are missing in the loan package. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CDA does not provided to verify the XXX% tolerance. | Third party valuation product provided within tolerance. |
08/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 417 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. No HOA Dues are provided for the Other REO XXX property. | HOA for XXX | 08/20/2026 | Verification of HOA Fees provided for XXX. Condition cleared. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.79% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not included in the file. Please provide the fraud report, as it is required | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Homeownership Counseling Disclosure |
09/02/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable.; |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/01/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. XXX there is no document for Tax and no HOA document in file, need documents for that. | Taxes & HOI; Tax and HOA for XXX |
08/28/2026 | Lender provided evidence of the tax and HOA for XXX. Condition cleared. ; Verification of taxes, insurance and HOA Fees provided.; XXX searches are not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. The property detail provided does not show the annual tax. Please provide evidence of the tax and HOA for XXX. Additional conditions may apply. Condition retained. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 558 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing subordination agreement. | HELOC was paid in full, there is no subordination. |
09/09/2026 | Lender provided the XXX Home Equity Line Paid In Full Notice dated XX/XX/XXXX. Condition cleared. |
09/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Please re-run AUS including the 2nd mortgage. Additional conditions may apply. | Please see attached; LPA #XXX; The second lien payment is included |
09/03/2026 | ; XXX account was paid in full and closed effective XX/ XX/XXXX. Credit report dated XX/XX/ XXXX predated the payoff; therefore, the XXX payment is not required in the AUS qualifying ratios.; On page XXX of the loan file, there is a home equity line of credit with an initial draw XXX showing no payment. The 1003 reflects XXX #XXX unpaid balance XXX payment XXX and also on the CBR. The second mortgage is not included in the AUS calculation. Please provide an updated AUS. Condition retained. ; Total proposed payment on the LP in file is $XXX. Please provide an updated LP/DU to include the second mortgage in the amount of XXX. Condition maintained. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 381 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | XXX received within tolerance. Condition cleared.; AVM provided shows a score of XXX% and FSC of XX/ XX/XXXX which is below the minimum required XXX Confidence Score of XXX or greater (FSD score less than or equal to XXX). AVM shows a value of XXX compared to the appraisal of XXX a (- XXX%) variance. DD Firm to order. |
08/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in the package | Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | Documentation required to clear exception: There’s no evidence in the loan file of the following LE’s that were included in the Lender’s XX/XX/XXXX ComplianceEase report. LE’s issued LE XX/XX/XXXX-XXX, LE XX/XX/XXXX-XXX, & LE XX/XX/XXXX. | LE’s | 08/27/2026 | Revised LE(s) provided — exception resolved |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the Initial CD dated XX/XX/XXXX This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | COC | 08/27/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 755 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Rescinded | FPRO1296 | Property | Was lowest appraised value used to qualify is No | Two appraisals in file, however the lowest appraised value was not used to qualify. | The first appraisal was dated XX/XX/ XXXX and the second was dated XX/XX/ XXXX t’s reasonable that we would use the newer appraisal. |
09/03/2026 | The most recent appraisal dated XX/ XX/XXXX was utilized and is reflected in DU. Appraisal was completed prior to the XX/XX/ XXXX Note date.; Valuation used for LTV meets guidelines.; |
09/08/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audited DTI of XXX% exceeds AUS/DU DTI of XXX%. Variance due to lender using XXX monthly income for B1 when the Schedule C as well as lenders calculations verify this income should be XXX monthly. Please update the DU with B1 income as XXX | Please see attached AUS DTI XXX% |
09/03/2026 | Updated AUS reflects B1 income of XXX and DTI of XXX% consistent with the Audited DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The fraud report has been missing in the file, which is required as per the guidelines. | Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 521 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report in the package | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing Borrower 2 income documentation. | WVOE | 08/26/2026 | Lender provided the WVOE for B2. Condition cleared. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 383 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: UCDP FNMA score is XXX — As per guidelines AVM is required. If score is more than XX/XX/XXXX | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third-party fraud report provided for the borrower(s). Condition cleared.; Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.48% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Rescinded | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal response |
08/27/2026 | Appraisal delivery not required; Evidence of appraisal delivery provided.; |
08/28/2026 | D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.48% is less than Guideline CLTV of 80% |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.48% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.48% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 450 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.48% is less than Guideline CLTV of 80% |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 483 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal delivery |
08/26/2026 | Evidence of appraisal delivery provided.; |
08/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 14.51% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 14.51% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 483 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/26/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 14.51% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 14.51% is less than Guideline LTV of 80% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 483 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 14.51% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 14.51% is less than Guideline LTV of 80% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/19/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Appraisal Delivery |
08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 547 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number | Originator | Last Name |
Note Date |
Original Balance | State | TPR QM ATR Status |
Loan Status |
Exception Date | Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 432 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
09/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM1851 | Compliance | Incorrect rescission model used — RTC form model H-XXX used for Same Lender or Lender Affiliate XXX | Incorrect rescission model used — RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX. The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model H-XXX was provided; however, because the property is located in XXX (XXX), model H-XXX should have been used. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | This response is not making any sense. There is no affiliation between XXX & XXX — this is not a Lender to Lender XXX.; This response is not making any sense. There is no affiliation between XXX & XXX — this is not a Lender to Lender XXX.; This is not the same lender to lender XXX. The original loan was through XXX, this loan was closed and XXX through XXX. This is a new creditor. Please Rescind this transaction; RTC response |
09/10/2026 | Correct RTC form has been provided.; The title #XXX on page XXX of the loan file shows the original lender was XXX, the note also shows the lender as XXX therefore it is considered same lender regardless of who XXX the loan. requires the use of the H- XXX right to cancel; The title shows the original lender was XXX, the note also shows the lender as XXX therefore it is considered same lender and requires the use of the H-XXX right to cancel |
09/11/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing | Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 405 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 301 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 40% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40% is less than Guideline LTV of 80% |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 301 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. | CDA received within tolerance. Condition cleared. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The AVM does not meet confidence score guidelines. Finding remains open. |
09/01/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 40% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40% is less than Guideline LTV of 80% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 301 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 40% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40% is less than Guideline LTV of 80% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 306 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing | Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 306 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 447 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 447 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 447 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Full Fraud Report with all participants | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 447 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | XXX received within tolerance. Condition cleared.; Property/ Appraisal guideline violation, The Confidence score of XXX% does not meet XXX% requirement. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 447 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing in file | Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number | Originator | Last Name |
Note Date |
Original Balance | State | TPR QM ATR Status |
Loan Status |
Exception Date | Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third party valuation product provided within tolerance. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 756 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.08% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.08% is less than Guideline LTV of 80% |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | CCA received within tolerance. Condition cleared.; Finding remains open as the confidence score does not meet guidelines. |
08/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.08% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.08% is less than Guideline LTV of 80% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/19/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.08% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.08% is less than Guideline LTV of 80% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.06% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.06% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.06% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.06% is less than Guideline CLTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report Missing and is required per guidelines | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.06% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.06% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is required per guidelines | XXX received within tolerance. Condition cleared. ; The TPV doe snot meet guidelines, confidence score does not meet XXX% requirement. |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.06% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.06% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.06% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.06% is less than Guideline CLTV of 80% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 746 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 746 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 746 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 746 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | Appraisal Delivery |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is not available in File and is required per guidelines | Third Party Fraud Report is provided. |
09/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 322 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 434 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/27/2026 | Evidence of appraisal delivery provided.; |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 434 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/27/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 434 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number | Originator | Last Name |
Note Date |
Original Balance | State | TPR QM ATR Status |
Loan Status |
Exception Date | Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 387 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund check and proof of delivery or valid COC. The tolerance violation in the amount of XXX is due to the increase from XXX to XXX for Discount points. The change occurred on CD XX/XX/XXXX without a COC or other supporting documentation. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | coc | 08/28/2026 | Valid COC and applicable LE provided; exception resolved |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The borrower signed the XXX day appraisal delivery waiver but there is no evidence a copy of the appraisal was provided at or prior to closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal response |
08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Provided Within Tolerance. Condition cleared. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Confidence score of XXX% does not meet the XXX% requirement. |
08/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 463 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing | Third Party Fraud Report is provided. |
09/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.69% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.69% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. As per welcome mail updated NO to HMDA data review | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.69% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.69% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.69% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test | Initial CD provided; exception resolved | ICD; The Initial CD dated XX/XX/ XXXX signed XX/XX/ XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/ XXXX. The violation can be cured by providing proof of delivery/ receipt of Initial CD at least XXX days prior to closing. |
09/09/2026 | 09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The borrower signed the XXX day appraisal delivery waiver, but there is no evidence a copy of the appraisal was provided at or prior to closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XXX — Invalid — DU approved appraisal waiver |
09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is Missing | Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 754 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 758 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 456 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.56% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 456 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/24/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing HOA documentation for XXX. | HOA for XXX | 09/02/2026 | HOA documentation provided for XXX.; Verification of taxes, insurance and HOA Fees provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.56% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 456 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | ULI is XXX | 09/01/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.56% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 456 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.56% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 456 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | CDA received within tolerance. Condition cleared. ; Property/ Appraisal Meets Guidelines. |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.56% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 429 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. As per lender requirements, a full fraud report is required | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 429 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 08/28/2026 | Evidence of appraisal delivery provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 429 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/28/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 429 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 459 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 459 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 459 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Valid COC provided; exception resolved | coc; TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan discount points. The change occurred on CD XX/ XX/XXXX without a COC or other supporting documenation. |
09/09/2026 | 09/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Invalid — LP approved appraisal waiver |
09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Rescinded | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Appears Lender did not include the 2nd home payment in DTI (XXX). No supporting documentation received for the omission. | DTI | 09/03/2026 | XXX is a second home and was being calculated as an XXX expense. Audit corrected to remove duplicate treatment; DTI discrepancy resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% |
09/04/2026 | D | B | A | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The fraud report is missing from the file. As per lender requirements, the complete fraud report is required. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | The XXX received within tolerance. Condition cleared.; ; Property/ Appraisal Meets Guidelines. |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 453 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.48% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 540 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 477 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.86% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.86% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 477 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.86% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.86% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 477 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.86% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.86% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 477 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared |
08/28/2026 | Property/ Appraisal Meets Guidelines. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.86% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.86% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review,. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing in the package. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 534 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 752 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 752 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 752 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
08/24/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 752 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 489 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 489 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 489 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not allowed by client overlay. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 489 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 489 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.5% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide the missing copy of Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/31/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 750 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. | Appraisal Delivery | 08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | All Fraud Report Alerts have been cleared or None Exist. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | E-Consent | 09/01/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing.; |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | x | 09/02/2026 | Evidence of appraisal delivery provided.; |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 518 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 548 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | x | 09/14/2026 | Evidence of appraisal delivery provided.; |
09/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 548 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing in the file. | Third-party fraud report provided for the borrower(s). All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 548 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test | Initial CD provided; exception resolved | ICD, COC; Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed on XX/XX/XXXX. The Initial CD dated XX/XX/XXXX (per CE Report in file) is missing from the loan file. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. |
09/08/2026 | 09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Initial CD provided; exception resolved | coc; TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Point Fees. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. Per the CE report in file there was an Initial CD issued on XX/XX/XXXX but was not located in the file. |
09/08/2026 | 09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report missing in file. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 467 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 319 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report document is missing | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 319 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 300 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide the missing Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 300 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Provide the HOA document of XXX per monthnthly for XXX XXX | XXX HOA |
08/21/2026 | Lender provided the HOA document of XXX per monthnthly for XXX XXX Condition cleared. |
08/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 300 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 300 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 300 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.23% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.23% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 435 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.57% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 435 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.57% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 435 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.57% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 435 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The Fraud report is missing and is required as per guidelines, the available fraud report in page no. XXX is not considered. | Third Party Fraud Report is provided. |
09/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.57% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 435 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.57% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/31/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal delivery |
08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. For REO Property #XXX, the property tax and homeowners insurance documents are not available in the file. Please provide the missing tax and insurance documentation. Additionally, if there are no HOA dues, please provide a Letter of Explanation (LOX) confirming that no HOA dues are applicable to the property. | REO Tax, HOI, and HOA |
08/28/2026 | Lender provided the property tax and homeowners insurance, and no HOA XXX. Condition cleared. |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 372 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The CU score for this file is XXX which is greater than XXX. Therefore, as per the lender’s requirements, an AVM is required. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report missing in file. | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 470 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 470 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 470 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is Missing | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 470 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 470 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s. | Will remain a non material B grade, PIW approved per lenders data tape. ; |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The fraud report currently present in the file is not acceptable for review/consideration; therefore, it cannot be used. As a result, a condition is added. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 458 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is Required. XXX to order. | Third party valuation product provided within tolerance. |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 564 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.25% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 564 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.25% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 564 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE2901 | Credit | Borrower 2 Non-XXX Identification Document Missing | Non XXX Borrower 2 is missing Identification Document. | x | 09/04/2026 | Permanent Resident Card provided and verified. Non-XXX identification requirement satisfied.; Borrower 2 Identification Document provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.25% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 564 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.25% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 564 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.25% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 564 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.25% is less than Guideline LTV of 80% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE and written list of service providers issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Initial LE; Initial LE |
09/10/2026 | Initial LE dated within XXX business days of application date provided; exception resolved |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | B | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Initial LE | 08/31/2026 | Initial LE dated within XXX business days of application date provided; exception resolved |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor’s offices are open to the public for carrying on substantially all of its business functions) after the creditor or XXX receives the consumer’s written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer’s application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. | Initial LE | 08/31/2026 | Initial LE dated within XXX business days of application date provided; exception resolved |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator’s application date (or the date creditor received application if loan Originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage XXX, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Homeownership Counseling Organization |
08/31/2026 | HOC list dated within XXX business days of application date provided; exception resolved; |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 414 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. Provide B2 VVOE for the XXX / XXX | Excluding XXX and weekends, VOE is within XXX days of the Note. |
09/03/2026 | ; VOE was verified XX/ XX/XXXX, which is within XXX days of the XX/XX/ XXXX Note Date.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide a copy of Fraud Report for B1/B2. OFAC Report run for B1/B2 only. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared; Property/ Appraisal Meets Guidelines. |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 390 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.74% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 510 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | CDA received within tolerance. Condition cleared. ; Finding remains as the AVM doe snot meet confidence score guidelines. |
09/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 510 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 510 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCOM4227 | Compliance | TRID: Missing Closing Disclosure | Documentation required to clear exception: Please provide the Revised CD dated XX/XX/XXXX and PCCD dated XX/XX/XXXX. Per the ComplianceEase report these documents are missing from the file. | CD response | 08/31/2026 | Revised CD provided; exception resolved | 09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 425 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation missing | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not included in the file. Please provide the fraud report, as it is required. | Third Party Fraud Report is provided. Condition cleared. | 09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure | 09/01/2026 | Required Affiliated Business Disclosure Documentation Provided.; | 09/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | AVM received within tolerance. Condition cleared; Property/Appraisal Meets Guidelines. | 08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 536 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not included in the file. Please provide the fraud report, as it is required. | Third Party Fraud Report is provided. Condition cleared. | 09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Pending Net Sale Proceeds from Real EState Assets cannot be verified, as the supporting source documentation is not provided in the file. Please provide the required source documents. | CD | 08/31/2026 | Lender provided the signed Seller CD for the sale of XXX. showing net proceeds of $XXX. Condition cleared. ; Asset Record XXX Meets G/L Requirements Or Not Applicable |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. “TPV is Required. XXX to order.” | Third party valuation product provided within tolerance. | 09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 714 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Cured | finding-651 | Compliance | TILA Finance Charge Test | Cure package provided to the borrower; exception downgraded to a B | cure; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Points — Loan Discount Fee: XXX Administration Fee: XXX Tax Service Fee: XXX Flood Certification — Single Charge or Life of Loan: XXX MERS Registration Fee: XXX Title Closing Protection Letter (CPL): XXX’s Fee (Closing Agent and Other Title Services): XXX Title Courier Fee: XXX Title Email Fee: XXX Title Administration Fee: XXX and Prepaid Interest paid by Borrower: $XXX. |
09/04/2026 | 09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 325 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing in loan file | Third Party Fraud Report is provided. | 09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 325 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.47% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing in file | Third Party Fraud Report is provided. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not available in the file | Third Party Fraud Report is provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. As per welcome mail updated NO for HMDA data review | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 293 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.55% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.55% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 293 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.55% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.55% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Rescinded | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | HOA document missing. As of I updated as per Final CD. | HOA | 09/03/2026 | XXX contract already in file documents the HOA obligation. |
09/04/2026 | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.85% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Client Overlay does not allow PIW’s. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.85% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.85% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.85% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.85% is less than Guideline CLTV of 80% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Valid COC with applicable CD provided; exception resolved | COC’s; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the loan discount points. The Final CD XX/XX/XXXX has a cure for $XXX. XXX was applied to the endorsement fee that increased from XXX to XXX on CD XX/XX/XXXX without a COC and XXX was applied to the discount points that increased from XXX on LE XX/XX/ XXXX to XXX on the FCD XX/XX/XXXX without a COC. |
09/09/2026 | 09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 35.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 35.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 09/09/2026 | Evidence of appraisal delivery provided.; |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 35.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 35.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 35.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 35.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 35.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 35.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 406 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA received within tolerance. Condition cleared. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The AVM doe snot meet valuation and confidence score guidelines. Finding remains. |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 35.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 35.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 567 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not available in the file | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 567 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 567 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 567 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. As per welcome mail updated No for HMDA data review | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 567 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. The loan contains a buydown agreement, requires approval from XXX. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing in file. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide the fraud report | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Provide letter of explanation for the following inquiries: XXX — XX/XX/XXXX — XX/XX/XXXX XXX — XX/XX/XXXX XXX — XX/XX/XXXX | LOE | 09/01/2026 | Lender provided an LOE. No new debt. Condition cleared. |
09/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 324 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. | Hazard Insurance Policy |
09/09/2026 | Hazard Insurance Policy is Present. Condition cleared. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. XXX There is no evidence of property taxes for XXX (See REO Worksheet) XXX There is no evidence of T & I for Borrower 2 XXX (See REO Worksheet) XXX Properties were calculated via XXX Schedule E (See REO Worksheet) | P&I for REO’s |
09/02/2026 | Documentation provided supporting property taxes for XXX and XXX. XXX is confirming owned free and clear with no hazard insurance obligation.; Verification of taxes, insurance and HOA Fees provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 329 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 329 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 329 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 329 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing in file | Third Party Fraud Report is provided. |
09/03/2026 | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator’s application date (or the date creditor received application if loan Originator’s application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage XXX, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Homeownership Counseling Organizations |
08/31/2026 | HOC list dated within XXX days of the application date provided; Exception resolved; HOC list dated within XXX days of the application date provided; Exception resolved; |
09/01/2026 | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | LE | 08/31/2026 | LE dated within XXX days of the application date provided; Exception resolved; LE dated within XXX days of the application date provided; Exception resolved |
09/01/2026 | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | LE | 08/31/2026 | LE dated within XXX days of the application date provided; Exception resolved; LE dated within XXX days of the application date provided; Exception resolved |
09/01/2026 | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor’s offices are open to the public for carrying on substantially all of its business functions) after the creditor or XXX receives the consumer’s written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer’s application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. | LE | 08/31/2026 | LE dated within XXX days of the application date provided; Exception resolved; LE dated within XXX days of the application date provided; Exception resolved |
09/01/2026 | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 252 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 252 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Rescinded | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. B2 is XXX and qualified using SSI and Pension income. | Condition not applicable as borrower is XXX. |
09/09/2026 | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report required | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Unable to locate documentation for omitted debt — XXX — per AUS | XXX was omitted as a duplicate. Per the credit report, XXX #XXX and #XXX have the same open date, high credit, balance and payment. | |
08/31/2026 | XXX was omitted as a duplicate. Condition cleared. |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 326 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the XXX Fee on CD XX/XX/XXXX with no corresponding COC. | coc | 08/31/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s, not approved per data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is not in the file and is requires per guidelines | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is required per guidelines | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/21/2026 | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 493 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing and required by guidelines | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 40% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 493 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/21/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 40% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.59% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/31/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.59% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.59% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 418 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.59% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | HOI | 09/08/2026 | Lender provided the Hazard Insurance Effective Date of XX/ XX/XXXX is prior to or equal to the Disbursement Date of XX/ XX/XXXX. Condition cleared. |
09/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV is Required. XXX to order | AVM received within tolerance. Condition cleared; Property/ Appraisal Meets Guidelines. |
09/01/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 09/04/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
09/04/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 512 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 421 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 39.35% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 39.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 421 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 08/31/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 39.35% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 39.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 421 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 39.35% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 39.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 421 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal delivery |
08/31/2026 | Evidence of appraisal delivery provided.; |
09/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 39.35% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 39.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product provided with a confidence score of XXX% and FSD XXX. Value within tolerance. Condition cleared. |
08/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 420 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Rescinded | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. | XXX XX/ XX/ XXXX excluding XXX, XXX and weekends, exactly XXX days. |
09/03/2026 | XXX VOE was already present in file and is current within XXX business days of the XX/XX/ XXXX Note date.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). |
09/04/2026 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 398 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Rescinded | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. | XXX XX/ XX/ XXXX excluding XXX, XXX and weekends, exactly XXX days. |
09/03/2026 | XXX VOE was already present in file and is current within XXX business days of the XX/XX/ XXXX Note date.; Borrower 1 3rd Party VOE Prior to Close Was Provided. |
09/04/2026 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 09/03/2026 | XXX documentation provided reflecting the ULI.; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; XXX documentation provided reflecting the ULI.; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/02/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
09/03/2026 | Evidence of appraisal delivery provided.; | 09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 491 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | XXX is XXX but XXX Contract Doc is Incomplete. Missing sales contract price with final sales price XXX | Invalid — this was in the original upload |
08/31/2026 | Lender provided the signed Seller Counter offer price $XXX. Condition cleared. ; XXX Contract Doc is complete.; |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE0404 | Credit | The Interested Party Contributions exceed the XXX | Interested Party Contributions exceeds XXX. Please provide an updated AUS/XXX/Loan Approval reflecting the sales price reduced by $XXX. Interested Party Contributions exceed XXX. Please provide an updated AUS/Loan Approval reflecting the sales price reduced by $XXX. | All of the IPC findings that XXX has issued have all been invalid. This one is invalid as well. Section J D+I = XXX — Seller Credit = XXX — No violation |
09/09/2026 | Upon further review, Section J D+I = XXX — Seller Credit = XXX Condition cleared. ; The Sales price has been adjusted accordingly. Issue is resolved. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 295 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. | 09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 295 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCOM1851 | Compliance | Incorrect rescission model used — RTC form model H-XXX used for Same Lender or Lender Affiliate XXX | Incorrect rescission model used — RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX. Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. This exception is downgraded due to the property located in XXX. | XXX response |
09/09/2026 | Correct RTC form has been provided.; | 09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW not permitted per overlays, XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Please provide property address for non subject property |
09/02/2026 | ; Final 1003 reviewed; only property listed is the subject property being XXX. No non- subject REO identified. Finding rescinded. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. | 09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 485 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Provided Within Tolerance. | Third party valuation product provided within tolerance. | 08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% |
D | B | C | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% |
D | B | B | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. Loan contains a Buydown feature, XXX to approve. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% |
D | B | D | B | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% |
D | B | C | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 446 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 53.18% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.18% is less than Guideline CLTV of 80% |
D | B | B | B | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 523 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/17/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Provide documentation to support that there are no HOA dues XXX with property located at XXX | No HOA; Invalid — this was in file |
09/08/2026 | Lender provided evidence of no HOA XXX. (SFR). Condition cleared.; Lender provided the mortgage Statement. Please provide evidence of HOA or no HOA for the property located at XXX. Condition retained. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 523 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing and is required per guidelines. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 523 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is not on data tape. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | XXX received and Meets Guidelines.; The AVM did not mete valuation tolerance of XXX% |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 469 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 415 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 415 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 415 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW not permitted per lender, XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 481 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.25% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.25% is less than Guideline LTV of 80% |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared; Property/ Appraisal Meets Guidelines. |
09/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.25% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.25% is less than Guideline LTV of 80% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.25% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.25% is less than Guideline LTV of 80% |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.5% is less than Guideline CLTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.5% is less than Guideline CLTV of 80% |
C | B | B | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.5% is less than Guideline CLTV of 80% |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 462 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.5% is less than Guideline CLTV of 80% |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 404 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Lender did not verify taxes and insurance for REO located at XXX. The lender only considered the XXX monthly mortgage payment as reflected on the credit report along with HOA dues. Mortgage stmt does not reflect that taxes and insurance are escrowed therefore need verification. This may result in higher DTI. Additional conditions may apply | REO Tax, HOI, and HOA |
09/01/2026 | Lender the mortgage Statement verifying taxes and insurance are escrowed for REO located at XXX. Condition cleared. ; Verification of taxes, insurance and HOA Fees provided. |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 37.85% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 37.85% is less than Guideline LTV of 80% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 37.85% is less than Guideline LTV of 80% |
C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 559 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliate Business Disclosure |
09/02/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.85% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 37.85% is less than Guideline LTV of 80% |
C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 308 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is required by guidelines, please upload to the file. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 308 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Provide documentation to support if there are any HOA fees XXX with property located at XXX | XXX proof of no HOA and sale of property |
09/02/2026 | ALTA settlement Statement confirms XXX was sold on XX/XX/ XXXX. Documentation also confirms no HOA XXX with the property. Finding addressed.; Verification of taxes, insurance and HOA Fees provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 308 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 256 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 256 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test | Initial CD provided; exception resolved | Initial Closing Disclosure ; Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/ XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/ XXXX. The compliance report provided shows initial CD dated XX/ XX/XXXX. |
09/09/2026 | 09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.12% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.12% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.12% is less than Guideline LTV of 80% |
C | B | B | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is missing and required per guidelines. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.12% is less than Guideline LTV of 80% |
C | B | C | A | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 416 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.12% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.12% is less than Guideline LTV of 80% |
C | B | B | B | C | A | C | B | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 374 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.52% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 374 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.52% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 374 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.52% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 374 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.52% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 374 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.52% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.52% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 628 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing fraud report | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 628 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 628 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX, property is owned by XXX. | Borrower is XXX |
09/09/2026 | All Fraud Report Alerts have been cleared or None Exist.; Fraud report provided. Possible un- disclosed property/ Properties: XXX XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared. | OFAC Check Completed and Cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW not allowed per overlays, XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 393 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing fraud report | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 312 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 526 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 526 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 526 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Provide documentation to support if there are HOA fees XXX with property located at XXX | HOA LOE XXX |
09/04/2026 | Borrower LOE confirms no HOA fees are XXX with the property.; Verification of taxes, insurance and HOA Fees provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 526 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is required per guidelines. Please upload to the file. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 526 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | US Patriot Act Disclosure or ID |
09/09/2026 | US Patriot Act Disclosure and ID provided. Condition cleared.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/15/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Homeownership Counseling Disclosure |
09/09/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/15/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/XXX their intent to proceed. | Intent to Proceed |
09/09/2026 | Proof of Intent to Proceed has been provided.; The intent to proceed is missing. The intent to proceed is missing.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery to Borrower |
09/09/2026 | Evidence of appraisal delivery provided.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 505 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
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| 237 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing. | Final 1003 |
08/28/2026 | Lender provided the Final 1003 for the borrower and co borrower. Condition cleared. |
08/31/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 484 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.57% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.57% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 315 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 315 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Risk Score XXX. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 315 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. Appraisal delivery timing waiver in file. | Invalid — DU approves appraisal waiver |
09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 753 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE1241 | Credit | XXX Contract is Missing | XXX is XXX but XXX Contract Doc is Missing. | XXX Contract Doc is not Missing, or is Not Applicable. |
08/25/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 430 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 430 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 430 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 430 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 328 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 327 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 327 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 09/08/2026 | ULI provided. ; ULI provided. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.15% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.15% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.15% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.15% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s. XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.15% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.15% is less than Guideline LTV of 80% |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.15% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.15% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 460 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.15% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.15% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Homeownership Counseling Disclosure |
09/04/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable.; |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | x | 09/09/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery |
09/04/2026 | Evidence of appraisal delivery provided.; |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 541 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX, property is owned by XXX. | Borrower is XXX and is XXX is XXX. |
09/09/2026 | Property Profile provided. The property is owned by XXX. Borrower is XXX and is XXX is XXX. Condition cleared. ; All Fraud Report Alerts have been cleared or None Exist.; Fraud report provided. Possible un- disclosed property/ Properties: XXX XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCOM5922 | Compliance | Lender QM Status not validated | The Originator QM designation was not verified. The Originator disclosed a QM designation of (Non-QM: Lender documented all ATR UW factors), whereas the final QM designation is (QM: Average Prime Offer Rate (APOR)). | Loan designation is QM Safe Harbor |
09/08/2026 | Loan designation is QM Safe Harbor. Condition cleared. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. | HOI | 09/08/2026 | Lender provided the Hazard Insurance Policy. Condition cleared. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 297 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 309 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.06% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 309 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.06% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 401 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. Although a PIW was utilized, the borrower paid for the appraisal and it was collected at closing. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.59% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 401 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.59% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 401 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.59% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 401 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.59% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 401 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 30.59% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 751 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 433 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 433 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 433 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/16/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 749 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 749 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 749 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 749 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 749 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 317 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | lender confirmed recordation tax was included in recording fees line, moved to the correct tolerance category resulted in the recording fees being within tolerance | Recording fee response; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee with no valid COC in file. |
09/09/2026 | 09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 317 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 317 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 320 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Valid COC provided; exception resolved | coc; TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to $XXX. |
09/08/2026 | 09/09/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.92% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.92% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.92% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.92% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.92% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.92% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Lender does not allow PIW’s, XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.92% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.92% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.92% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.92% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 426 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.92% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.92% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/10/2026 | Rescinded | finding-47 | Compliance | TILA Right of Rescission Test | Corrected disbursement date; exception resolved | 09/10/2026 | D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test | PCCD and FSS provided; exception resolved | PCCD, ALTA; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee. |
09/09/2026 | 09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product required per guidelines, please upload to the file. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud report is missing and required per guidelines. Please upload to the file. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 468 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.12% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | A | C | B | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.92% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.92% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/17/2026 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Cure package provided to the borrower; exception downgraded to a B | Cure; TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. |
09/08/2026 | 09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.92% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.92% is less than Guideline CLTV of 80% |
D | B | C | B | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/17/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 09/08/2026 | Evidence of appraisal delivery provided.; |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.92% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.92% is less than Guideline CLTV of 80% |
D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.92% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.92% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.92% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.92% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX the borrowers do not own this property. | 09/09/2026 | Property profile provided. XXX XXX. not owned by our borrowers. Condition cleared.; Fraud report provided. Possible un- disclosed property/ Properties: XXX XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared; ULI provided. Condition cleared; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM is required and is missing. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 385 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Privacy policy XXX shows XXX as an affiliated business. | Affiliated Business Disclosure |
09/09/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery |
09/14/2026 | Evidence of appraisal delivery provided.; |
09/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. The certificate of completion forms in the file does not show that the borrower consented. | E-Sign Consent Disclosure |
09/01/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing.; |
09/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | US Patriot Act Disclosure or ID |
09/09/2026 | US Patriot Act Disclosure provided. Condition cleared.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 500 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/26/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX |
09/08/2026 | ULI provided. ; ULI provided. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). ; ULI provided. ; ; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW, XXX to approve. | Will remain a non material B grade, PIW approved per lenders data tape. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required and is missing. XXX to order. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 457 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 314 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX the borrower does not own property in XXX. This specific property/ unit didn’t come up in XXX, possibly because it’s an apartment. |
09/09/2026 | Lender provided a XXX. The borrower does not own property in XXX. Condition cleared.; Fraud report provided. Possible un- disclosed property/ Properties: XXX XXX. Please provide a property profile showing no ownership or revised 1003/XXX/ AUS. Additional conditions may apply. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 314 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 314 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 314 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 314 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Provide haz insurance with effective date on or before Disbursement Date of XX/XX/XXXX | HOI | 09/09/2026 | Hazard Insurance Effective Date of XX/XX/ XXXX is prior to or equal to the Disbursement Date of XX/ XX/XXXX. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 551 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Client Overlay requires Fraud Report. OFAC Report run for B1 only. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 551 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Affiliated Business Disclosure |
08/28/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
08/31/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 551 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.09% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI) |
09/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.09% is less than Guideline CLTV of 80% |
D | B | B | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA: XXX. XXX XXX (DR-XXX-XXX). Incident Period: XX/XX/XXXX-XX/XX/XXXX. Declaration Date: XX/XX/XXXX. Pre-disaster appraisal dated XX/XX/XXXX was from the time of XXX. Missing Post-Disaster inspection. | Post Disaster Inspection |
09/01/2026 | FEMA Post Disaster Inspection report was provided. No damage. Condition cleared. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.09% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.09% is less than Guideline CLTV of 80% |
D | B | C | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Rescinded | FCRE4165 | Credit | Employment Gaps in Employment Without Sufficient Explanation | B1 Employment Gap: XX/XX/XXXX-XX/XX/XXXX (XXX months). Prior Employment: Working as a Contractor — XX/XX/XXXX to XX/XX/XXXX. Current employment start date XX/XX/XXXX. Missing Employment Gap Letter of Explanation. | The Agencies do not require gap letters on conventional loans. Gap letters are a government loan requirement. |
09/03/2026 | LP findings reviewed; no employment gap LOE is required. |
09/04/2026 | D | B | A | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. OFAC search only for B1. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.09% is less than Guideline CLTV of 80% |
D | B | D | A | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 475 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.09% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.09% is less than Guideline CLTV of 80% |
D | B | B | B | D | A | D | B | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/17/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | PCCD with updated disbursement date provided; exception resolved | ALTA; Documentation Required: The disbursement date of XX/ XX/XXXX is before the cancel by date on the ROR listed as XX/ XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel. ROR date was changed at closing to XX/ XX/XXXX but XXX if the disbursement date was after XX/XX/ XXXX. |
09/08/2026 | 09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.48% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.48% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/12/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.48% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.48% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 356 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 346 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 27.78% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 346 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 27.78% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 346 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 27.78% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 346 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 27.78% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing in the file and is required per guidelines. Please upload to the file. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/03/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. “TPV is Required. XXX to order AVM” | Third party valuation product provided within tolerance.; ; CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 340 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test | initial CD receipt date provided; exception resolved | CD tracking |
09/09/2026 | Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/ XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/ XXXX. The violation can be cured by providing proof of delivery/ receipt of Initial CD at least XXX days prior to closing. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Revised LE receipt date provided; exception resolved | LE tracking | |
09/09/2026 | Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/ XXXX was not received by the consumer XXX business days prior to the consummation date, XX/XX/ XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is Missing | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 335 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 357 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 357 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 304 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Lender to provide required third party Fraud report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 304 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/27/2026 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | ID and US Patriot Act. POA for XXX |
09/02/2026 | Lender provided the ID for XXX and US Patriot Act. POA for XXX. Condition cleared.; |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 304 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/14/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 341 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Cu = XXX. AVM is required and is missing. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 341 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 341 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 333 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud reports are required; | Third Party Fraud Report is provided. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 333 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
08/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business |
09/10/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | eSigned Documents Consent |
09/10/2026 | Evidence of eConsent is provided.; |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO1281 | Property | The appraisal was completed “Subject To” and the Completion Certificate in file is incomplete. | The Primary Value Appraisal was provided subject to completion and the 1004D Certification of Completion was not provided. Missing 1004D to verify the correction of the warped/buckled wood flooring. | 1004D Certification |
09/10/2026 | The appraisal Completion Certificate is complete. 1004D provided. Condition cleared |
09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud reports are required; | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 344 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.56% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 339 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing and required per guidelines. Please upload Third Party Fraud Report to the file. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 339 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation is required per Guidelines, please upload to the file. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 339 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 339 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. Hazard Insurance document is missing from the loan file. The premium amount has been updated from the 1003. Provide the Homeowners Insurance (HOI) policy/declarations page for review. | HOI | 09/09/2026 | Lender provided the Hazard Insurance Policy. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing from the file. Provide the required fraud report documentation. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS. AUS document was not present in the loan file and has been marked as missing. | AUS | 09/02/2026 | Lender provided the AUS, Accept/ Eligible. Condition cleared. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/02/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 342 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Require a copy of fraud report | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. ; ULI provided. ; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added. ; HMDA Data Tape Provided. |
09/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is not available in the file. Please provide Fraud Report | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Required TPV is not in file. Please provide required TPV | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 360 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery |
09/09/2026 | Evidence of appraisal delivery provided.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts. | Per XXX, property owned by XXX XXX and XXX XXX | 1003 States XXX | Per XXX these appear to be his parents. |
09/09/2026 | Lender provided a Property Profile. Owned by XXX XXX and XXX XXX 1003 States XXX Per XXX these appear to be his parents. Condition cleared. ; Fraud report provided. Possible un-disclosed property/Properties: XXX ,XXX. Please provide a property profile showing no ownership or revised 1003/XXX/AUS. Additional conditions may apply. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. As per lender requirements, a fraud report is required for this file. Please provide the fraud report for review and documentation purposes. | Third Party Fraud Report is provided. See additional condition added. Condition cleared.; Third Party Fraud Report is provided. See additional condition added. Condition cleared. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 359 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 472 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 09/08/2026 | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided. Condition cleared. ; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 472 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 472 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Acknowledged | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided. The loan contains a buydown feature, XXX to approve. | Will remain a non material B grade, Buydown approved per XXX. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | B | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 472 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is required and missing from the file. Please upload to the file. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 472 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | B | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business | 09/09/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.78% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report missing. | Third Party Fraud Report is provided. | 09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.78% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 352 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.78% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.78% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Cure package provided to the borrower; exception downgraded to a B | cure | 09/13/2026 | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The COC in file does not provide sufficient information regarding reason for appraisal fee increase. File does have a reimbursement of XXX however that amount was already applied to the addition of the MERS fee which was added without a COC. |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | B | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Required Fraud Report is not in file. Please provide required Fraud Report | Third Party Fraud Report is provided. | 09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: FNMA CU score is Greater than XX/XX/XXXX PV is Required. XXX to order. | Property/Appraisal Meets Guidelines. | 09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/14/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure | 09/02/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 347 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.32% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | A | C | B | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 338 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60.56% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.56% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Valid COC provided; exception resolved | coc; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX on CD XX/XX/XXXX for the Discount Points with no corresponding COC. |
09/09/2026 | 09/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing | Third Party Fraud Report is provided. | 09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/02/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 350 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 337 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Valuations (TPV) are required on all loans | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 337 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 337 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.12% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/20/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU is missing. AVM is required and is missing | Third party valuation product provided within tolerance. |
09/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.12% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.12% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.12% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.12% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 336 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Lender to provide fraud report as required. | Third Party Fraud Report is provided. |
09/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 336 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Borrower’s former property at XXX property with a mortgage of XXX per month is being sold but was not sold at the time of closing and was not added into the DTI When added causes a DTI exception and exceeds program guidelines. Lender to provide proof the property was sold with a signed/certified copy of HUD XXX Copy of Contract of sale and removal of contingencies from a processor letter is insufficient. (Funds from the sale were NOT needed for this transaction) Also there is no mtg stmt in file only the credit report has the mortgage payment as XXX per month which is what was added into the DTI in the system. | XXX | 09/10/2026 | Lender provided evidence of the sale of XXX. Audited DTI of XXX% is less than or equal to AUS DTI of XXX% Condition cleared. |
09/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 336 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 353 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report is missing in file. Please provide Fraud report | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 330 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 52.94% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.94% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 316 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 52.94% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.94% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Provide a copy of Fraud Report | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business | 09/09/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.33% is less than Guideline LTV of 80% |
D | B | B | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. The fraud report is missing from the file. As per lender requirements, the complete fraud report is required. | Third Party Fraud Report is provided. |
09/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.33% is less than Guideline LTV of 80% |
D | B | D | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.33% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.33% is less than Guideline LTV of 80% |
D | B | C | A | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 355 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.33% is less than Guideline LTV of 80% |
D | B | B | B | D | A | C | B | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 311 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 311 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 311 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 311 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Original LTV is Below the Guideline Maximum — Calculated LTV of 46.75% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal delivery | 09/09/2026 | Evidence of appraisal delivery provided.; |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 358 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Appraisal Delivery | 09/09/2026 | Evidence of appraisal delivery provided.; |
09/10/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | ULI provided. Condition cleared. ; ULI provided. Condition cleared. ; Material; The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete — Other finding added.; HMDA Data Tape Provided. |
09/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 362 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report not available in the file. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/17/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test | Valid COC provided; exception resolved | COC; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase from XXX to XXX for the Discount Points, and additionally, the increase from XXX to XXX for the Appraisal Fee on the final CD dated XX/XX/XXXX. A valid COC was not found in file. |
09/09/2026 | 09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud report required as per deal guide, please provide | Third Party Fraud Report is provided. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 351 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 299 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Fraud Report is missing. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 299 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum — Calculated LTV of 68% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68% is less than Guideline CLTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing XXX year WVOE with Overtime breakdown (Or XXX yrs of year end pay stubs) to calculate the Other income lender utilized. | WVOE | 09/14/2026 | Lender provided the WVOE. Income and Employment Meet Guidelines. Condition cleared. |
09/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Client overlay requires Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 745 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Client overlay does not allow PIW’s. | PIW is on Data Tape. Condition downgraded to B. ; |
08/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38.81% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.81% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 354 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 354 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/13/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.44% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 732 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 774 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 774 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 774 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 767 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/02/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 767 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 770 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/21/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 735 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 786 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 786 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 784 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/09/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | PIW was disclosed on the show tape. Can you please clear the finding. Thank you | |
08/31/2026 | Will remain a non material B grade, PIW approved per lenders data tape.; |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 741 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 783 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 742 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 740 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 785 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 787 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | Property/ Appraisal Meets Guidelines. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 787 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU = XXX. AVM is required and is missing. XXX to order. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 787 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 738 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 779 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 779 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/27/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | PIW — not required |
09/01/2026 | ; TPV Required. XXX to order |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/01/2026 | Required Affiliated Business Disclosure Documentation Provided.; |
09/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/22/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | PIW was disclosed on the show tape. Can you please clear the finding. Thank you | |
08/31/2026 | Will remain a non material B grade, PIW approved per lenders data tape.; |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 739 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 782 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 782 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 737 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA received within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. |
09/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 737 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 781 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
08/28/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 766 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | Property/ Appraisal Meets Guidelines. |
09/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 766 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/08/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 766 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 766 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW is on Data Tape. Condition downgraded to B. | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 734 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/26/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Required Affiliated Business Disclosure Documentation Provided.; Material |
09/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 734 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 768 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 769 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 769 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV product required | Property/ Appraisal Meets Guidelines. |
09/04/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 769 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 763 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 727 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 727 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing complete Fraud Report. Fraud Report pages XX/XX/XXXX provided only, which are the MERS Report, Loan Participant Analysis, Watchlist Match Report and the OFAC Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 772 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/31/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/08/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
09/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 772 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 778 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/31/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 723 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 762 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 729 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 764 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 728 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. An AVM is required the CU score is greater than XX/XX/XXXX | Third party valuation product provided within tolerance. |
09/14/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 728 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 776 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. |
09/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 776 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/28/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 721 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/14/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | Property/ Appraisal Meets Guidelines. |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 721 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 761 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/24/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Third Party Fraud Report is provided. |
09/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 761 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/27/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 726 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/03/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/31/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Affiliated Business Disclosure |
09/08/2026 | Required Affiliated Business Disclosure Documentation Provided.; Material |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 765 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/31/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 773 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/03/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 760 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/10/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 743 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. |
09/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 743 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/10/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 720 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
08/25/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Deal ID |
Loan Number |
Seller Loan Number |
Originator | Last Name |
Note Date |
Original Balance |
State | TPR QM ATR Status |
Loan Status |
Exception Date |
Remediation Status |
Exception ID |
Exception Type |
Exception Category |
Exceptions | Exception Rebuttal |
Exception Rebuttal Date | Exception Rebuttal Response |
Exception Rebuttal Response Date |
Compensating Factors |
Initial Overall Loan Grade |
Final Overall Loan Grade |
Initial Exception Grade |
Final Exception Grade |
Initial Credit Grade |
Final Credit Grade |
Initial Property Valuation Grade |
Final Property Valuation Grade |
Initial Compliance Grade |
Final Compliance Grade |
Initial Overall Grade (DBRS/ Morningstar) |
Initial Credit Grade (DBRS/ Morningstar) |
Initial Property Valuation Grade (DBRS/ Morningstar) |
Initial Compliance Grade (DBRS/ Morningstar) |
Initial Overall Grade (Fitch) |
Initial Credit Grade (Fitch) |
Initial Property Valuation Grade (Fitch) |
Initial Compliance Grade (Fitch) |
Initial Overall Grade (Kroll) |
Initial Credit Grade (Kroll) |
Initial Property Valuation Grade (Kroll) |
Initial Compliance Grade (Kroll) |
Initial Overall Grade (Moodys) |
Initial Credit Grade (Moodys) |
Initial Property Valuation Grade (Moodys) |
Initial Compliance Grade (Moodys) |
Initial Overall Grade (S&P) |
Initial Credit Grade (S&P) |
Initial Property Valuation Grade (S&P) |
Initial Compliance Grade (S&P) |
Final Overall Grade (DBRS/ Morningstar) |
Final Credit Grade (DBRS/ Morningstar) |
Final Property Grade (DBRS/ Morningstar) |
Final Compliance Grade (DBRS/ Morningstar) |
Final Overall Grade (Fitch) |
Final Credit Grade (Fitch) |
Final Property Grade (Fitch) |
Final Compliance Grade (Fitch) |
Final Overall Grade (Kroll) |
Final Credit Grade (Kroll) |
Final Property Grade (Kroll) |
Final Compliance Grade (Kroll) |
Final Overall Grade (Moodys) |
Final Credit Grade (Moodys) |
Final Property Grade (Moodys) |
Final Compliance Grade (Moodys) |
Final Overall Grade (S&P) |
Final Credit Grade (S&P) |
Final Property Grade (S&P) |
Final Compliance Grade (S&P) |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 736 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/06/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 724 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/01/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required. XXX to order. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 724 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 724 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/01/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 722 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 744 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/08/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: TPV Required. XXX to order | AVM received within tolerance. Condition cleared.; Property/ Appraisal Meets Guidelines. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 744 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 744 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/01/2026 | Acknowledged | FPRO2924 | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Will remain a non material B grade, PIW approved per lenders data tape. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 733 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Required Affiliated Business Disclosure Documentation Provided.; Material |
09/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 733 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 775 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/01/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 725 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 780 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/09/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time — Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 730 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 731 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/09/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time — Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 777 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/03/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Evidence | 09/14/2026 | Evidence of appraisal delivery provided.; Material |
09/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 777 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Loan Review Complete |
09/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. |
09/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 771 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 09/04/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Fraud report | Fraud report received with no red flags, condition resolved.; Third Party Fraud Report is provided. |
09/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 771 | XXX | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) |
Curative | 09/04/2026 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. |
09/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |