SitusAMC Loan ID

Customer Loan ID

Seller Loan ID

Investor Loan Number

Unique Loan ID

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

15E Category

Exception

Exception Detail

Exception Information

Compensating Factors

Compensating Factor Information

Applying Party

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Waived with Regrade

Exception Level Grade

DBRS Initial Exception Rating

DBRS Final Exception Rating

Fitch Initial Exception Rating

Fitch Final Exception Rating

Note Date

Property State

Occupancy

Purpose

Exception Remediation

Originator QM ATR Status

TPR QM ATR Status

Is Curable

[redacted]

16872850

36711621

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $175.00 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX).

Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $175.00 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XX/XX/XX).

Reviewer Comment (2026-08-06): XXXXX

Seller Comment (2026-08-05): XXXXX

Reviewer Comment (2026-07-13): XXXXX

Seller Comment (2026-07-10): XXXXX

08/06/2026

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)

Safe Harbor QM (APOR)

Yes

[redacted]

13173840

37381194

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $23,040.00 exceeds tolerance of $11,040.00. Sufficient or excess cure was provided to the borrower at Closing.

Loan Discount Points was last disclosed as $11,040.00 on LE but disclosed as $23,040.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing.

Reviewer Comment (2026-08-27): XXXXX

08/27/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

13173840

37381203

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS is missing from the file.

Reviewer Comment (2026-09-02): XXXXX

Seller Comment (2026-09-02): XXXXX

09/02/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

12984675

36669345

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

06/09/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

12984675

36669363

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing.

10% tolerance was exceeded by $34.40 due to increase of recording fee. Evidence of cure in file in the amount of $34.40.

Reviewer Comment (2026-06-05): XXXXX

06/05/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

12984675

36669364

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $139.00 exceeds tolerance of $108.00. Sufficient or excess cure was provided to the borrower at Closing.

Credit Report Fee was last disclosed as $108.00 on LE but disclosed as $139.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-06-05): XXXXX

06/05/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

14533658

36865214

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-07): XXXXX

Seller Comment (2026-07-07): XXXXX

07/07/2026

Primary

Refinance - Rate/Term

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

14533658

36865215

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.94838% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)

The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.94838% moderately exceeds the guideline maximum of 50.00%. Lender appears to have used credit balances and payments for some debts that are not sourced in file. Review used information from credit report and result is a slightly higher DTI.

Reviewer Comment (2026-07-07): XXXXX

Seller Comment (2026-07-07): XXXXX

07/07/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

14533658

36865216

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX.

XXXXX personal and business returns were not provided, extensions for both are in file.

07/06/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

14533658

36865217

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,626.24 exceeds tolerance of $7,398.00. $1,228.24 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points Fee was last disclosed as $7,398.00 on LE but disclosed as $8,626.24 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,228.24, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-08): XXXXX

Seller Comment (2026-07-07): XXXXX

07/08/2026

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

14533658

36865236

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 50.94838% exceeds Guideline total debt ratio of 50.00000%. Lender appears to have used credit balances and payments for some debts that are not sourced in file. Review used information from credit report and result is a slightly higher DTI.

Reviewer Comment (2026-07-07): XXXXX

Seller Comment (2026-07-07): XXXXX

07/07/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

14533658

36865544

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Once guidelines are met exception will be addressed.

Reviewer Comment (2026-07-07): XXXXX

Seller Comment (2026-07-07): XXXXX

07/07/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

12058350

36906152

Compliance

Loan Package Documentation

Closing / Title

Missing, Incorrect, or Incomplete Note

Missing Document: Note - Subject Lien not provided

The file was missing a copy of the Note Document for the borrower XXXXX.

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-30): XXXXX

07/30/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12058350

36906204

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Payoff Statement Fee. Fee Amount of $322.00 exceeds tolerance of $0.00. $322.00 over legal limit. Insufficient or no cure was provided to the borrower.

Payoff Statement Fee was last disclosed as $0.00 on LE but disclosed as $322.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $322.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-06): XXXXX

Seller Comment (2026-08-05): XXXXX

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-03): XXXXX

08/06/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12058350

36906207

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow - Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2026-08-27): XXXXX

Reviewer Comment (2026-08-19): XXXXX

Reviewer Comment (2026-08-14): XXXXX

08/27/2026

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

12058350

36925341

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

07/10/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11237743

36718060

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Reviewer Comment (2026-06-29): XXXXX

06/29/2026

Second Home

Refinance - Rate/Term

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

16900151

36819412

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

06/26/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

16900151

36819637

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Second Appraisal Fee was last disclosed as $00.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-06-25): XXXXX

06/25/2026

Primary

Refinance - Rate/Term

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

16257930

36814307

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Reviewer Comment (2026-06-30): XXXXX

Seller Comment (2026-06-29): XXXXX

06/30/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

11783019

36699760

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-06-19): XXXXX

Seller Comment (2026-06-16): XXXXX

06/19/2026

Second Home

Refinance - Rate/Term

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

11783019

36699761

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 63.69622% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

The DTI calculated in accordance with the Lender's Guidelines and 1026.43(e) of 63.69622% significantly exceeds the guideline maximum of 50.00%.

Reviewer Comment (2026-06-19): XXXXX

Seller Comment (2026-06-16): XXXXX

06/19/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

11783019

36699762

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. The file contained a copy of the XXXXX and business returns.

06/12/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

11783019

36699763

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. The file contained a copy of the XXXXX and business returns.

06/12/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

11783019

36699764

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. The file contained a copy of the XXXXX and business returns.

06/12/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

11783019

36699824

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

06/12/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

11783019

36699836

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Property XXXXX is showing as sold in the final 1003; however, there are no source documents in the file, hence, the DTI is exceeding.

Reviewer Comment (2026-06-19): XXXXX

Seller Comment (2026-06-18): XXXXX

Reviewer Comment (2026-06-16): XXXXX

Seller Comment (2026-06-16): XXXXX

06/19/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

11783019

36699863

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Reviewer Comment (2026-06-19): XXXXX

Seller Comment (2026-06-16): XXXXX

06/19/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

12245129

36671330

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Right of Rescission Disclosure is missing from file.

Reviewer Comment (2026-07-08): XXXXX

Seller Comment (2026-07-06): XXXXX

Reviewer Comment (2026-06-12): XXXXX

Seller Comment (2026-06-10): XXXXX

07/08/2026

Primary

Refinance - Cash-out - Other

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Safe Harbor QM (APOR)

Yes

[redacted]

13730136

36873630

Credit

Loan Package Documentation

Application / Processing

Insurance

Missing Document: Flood Certificate not provided

The file was missing a copy of the Flood Certificate.

Reviewer Comment (2026-07-08): XXXXX

Seller Comment (2026-07-08): XXXXX

07/08/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

13730136

36873651

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $300.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Review Fee was last disclosed as $250.00 on LE but disclosed as $300.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-02): XXXXX

07/02/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

10959626

36904034

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

07/10/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

12182281

37044550

Credit

Loan Package Documentation

Loan File

Missing Document

Missing Document: Hazard Insurance Policy not provided

The file is missing a copy of Hazard Insurance Policy for subject property.

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-11): XXXXX

Reviewer Comment (2026-07-27): XXXXX

Seller Comment (2026-07-27): XXXXX

08/12/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

15459219

36905780

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

Verification appraisal was delivered to borrower was not provided.

07/10/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

17268525

36819671

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing.

Second appraisal fee was last disclosed as $120.00 on Loan Estimate but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee; however, evidence of cure in file in the amount of $15.21.

Reviewer Comment (2026-06-25): XXXXX

06/25/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

14428043

37052591

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,427.81 exceeds tolerance of $-8,764.00. Insufficient or no cure was provided to the borrower.

Lender credit was last disclosed as -$8,764.00 on LE but disclosed as -$7,427.81 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1336.19, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made

Reviewer Comment (2026-08-24): XXXXX

Seller Comment (2026-08-21): XXXXX

08/24/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

13597073

37015832

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Reviewer Comment (2026-07-23): XXXXX

Seller Comment (2026-07-22): XXXXX

07/23/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

13597073

37015834

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $10,134.93 exceeds tolerance of $9,625.00. $509.93 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points was last disclosed as $10,134.93. on Loan Estimate but disclosed as $9,625.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $509.93, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-23): XXXXX

Seller Comment (2026-07-22): XXXXX

07/23/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

16956792

37051351

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,496.00 exceeds tolerance of $11,000.00. $1,496.00 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points were last disclosed as $11,000.00 on Loan Estimate but disclosed as $12,496.00 on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $1,496.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-31): XXXXX

07/31/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12315024

37075639

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX.

Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period.

Reviewer Comment (2026-07-31): XXXXX

07/31/2026

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Safe Harbor QM (APOR)

Yes

[redacted]

12315024

37075642

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary valuation is missing. Sec ID: 2

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2026-07-31): XXXXX

07/31/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

14792496

37113264

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $943.00 exceeds tolerance of $840.00 plus 10% or $924.00. Sufficient or excess cure was provided to the borrower at Closing.

Ten Percent Fee Tolerance exceeded. Total amount of $943.00 exceeds tolerance of $840.00 plus 10% or $924.00.However, the File does contain the Cure in the amount of $135.00 which is sufficient.

Reviewer Comment (2026-07-30): XXXXX

07/30/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

14792496

37113268

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS document is missing in the file.

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-05): XXXXX

08/05/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

15669790

37138453

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $8,873.00 exceeds tolerance of $7,462.00 plus 10% or $8,208.20. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

15669790

37138454

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Reviewer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19525506

36851008

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $103.50 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing.

Ten Percent Fee Tolerance exceeded. Total amount of $103.50 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-06-30): XXXXX

06/30/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18995037

37079132

Credit

Loan Package Documentation

Application / Processing

Insurance

Missing Document: Flood Certificate not provided

Flood Certificate is missing.

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-30): XXXXX

07/30/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18995037

37102304

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Statements for account ending in XXXXX reflect large unsourced deposits: $180K on XX/XX/XX, $23,529.00 on XX/XX/XX, and $250K on XX/XX/XX. These funds have not been included by review in available funds, and as a result, the borrower is short on assets for closing.

Reviewer Comment (2026-07-31): XXXXX

Seller Comment (2026-07-30): XXXXX

07/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11234529

36938239

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

Verification appraisal was delivered to borrower was not provided.

07/14/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

11234529

36938240

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

Verification appraisal was delivered to borrower was not provided.

Reviewer Comment (2026-07-22): XXXXX

07/22/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

11964231

37011856

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $233.95 exceeds tolerance of $220.00. Sufficient or excess cure was provided to the borrower at Closing.

Credit Report Fee Fee was last disclosed as $220.00 on LE but disclosed as $233.95 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $13.95, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-17): XXXXX

07/17/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

11964231

37015416

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.

Reviewer Comment (2026-07-23): XXXXX

Seller Comment (2026-07-22): XXXXX

07/23/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

11911943

36944237

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $16,137.46 exceeds tolerance of $13,197.00. $2,940.46 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points. The fee was not disclosed on the Loan Estimate. The file does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $2,940.46, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-16): XXXXX

Seller Comment (2026-07-15): XXXXX

07/16/2026

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

13199432

37002862

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

Reviewer Comment (2026-07-20): XXXXX

07/20/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

13199432

37002863

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

Reviewer Comment (2026-07-20): XXXXX

07/20/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

13199432

37002864

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

Reviewer Comment (2026-07-20): XXXXX

07/20/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14112045

37110428

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,040.00 exceeds tolerance of $900.00. $140.00 over legal limit. Insufficient or no cure was provided to the borrower.

Appraisal Fee was last disclosed as $900.00 on Loan Estimate but disclosed as $1,040.00 on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $140.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-25): XXXXX

Seller Comment (2026-08-24): XXXXX

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-04): XXXXX

08/25/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

17867837

37259712

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are under disclosed.

Reviewer Comment (2026-09-02): XXXXX

Seller Comment (2026-09-02): XXXXX

09/02/2026

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

17867837

37259714

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are under disclosed.

Reviewer Comment (2026-09-02): XXXXX

Seller Comment (2026-09-02): XXXXX

09/02/2026

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

17867837

37259715

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose the Monthly Escrow Payment.

Final Closing Disclosure provided on XX/XX/XX did not disclose the Monthly Escrow Payment.

Reviewer Comment (2026-09-02): XXXXX

09/02/2026

Second Home

Purchase

Provide the following: Letter of Explanation notifying borrower or error and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

17867837

37259716

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2026-09-02): XXXXX

Seller Comment (2026-09-02): XXXXX

09/02/2026

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

17867837

37259717

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2026-09-02): XXXXX

Seller Comment (2026-09-02): XXXXX

09/02/2026

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

17867837

37290282

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Other Includes Insurance Costs

TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.

Reviewer Comment (2026-08-27): XXXXX

08/27/2026

Second Home

Purchase

Good Faith Redisclosure

Safe Harbor QM (APOR)

Yes

[redacted]

12625821

37020150

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,020.00 exceeds tolerance of $920.00. Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Fee was last disclosed as $920.00 on LE but disclosed as $1020.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-20): XXXXX

07/20/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

12625821

37020317

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal tax returns. The file contained a copy of the XXXXX 1040 personal returns.

07/22/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

12625821

37020318

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal tax returns. The file contained a copy of the XXXXX 1040 personal returns.

07/22/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

15702740

37090215

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

07/30/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

18955445

36964844

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

07/15/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18955445

36964887

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,593.00 exceeds tolerance of $6,762.00. $5,831.00 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points Fee was last disclosed as $6,762.00 on Initial closing disclosure but disclosed as $12,593.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include$5,831.00 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-17): XXXXX

07/17/2026

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

17851674

37154770

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Legal / Regulatory / Compliance

Final Title Policy is missing. No evidence of title in file.

Title Evidence is Missing.

Reviewer Comment (2026-08-17): XXXXX

08/17/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

17851674

37154778

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

HOI coverage is insufficient by $79,948.00 Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.

Reviewer Comment (2026-08-20): XXXXX

Reviewer Comment (2026-08-17): XXXXX

Seller Comment (2026-08-17): XXXXX

08/20/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

16236381

37109130

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS is missing in the file.

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

08/04/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13946294

36978769

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Other Includes Insurance Costs

TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XX/XX/XX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosed under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.

Reviewer Comment (2026-07-22): XXXXX

07/22/2026

Second Home

Purchase

Good Faith Redisclosure

Safe Harbor QM (APOR)

Yes

[redacted]

15555081

37090916

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $172.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

15602497

37005995

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Proof of earlier receipt not provided

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

Reviewer Comment (2026-08-03): XXXXX

Seller Comment (2026-07-31): XXXXX

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-27): XXXXX

Seller Comment (2026-07-24): XXXXX

08/04/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

10157040

37136807

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/06/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16949979

37102848

Compliance

State Compliance

State Defect

South Carolina Home Loan (Complaint Agency Disclosure Not Provided)

XXXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

08/04/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

16949979

37102849

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,698.34 exceeds tolerance of $-7,789.88. Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,698.34 exceeds tolerance of $-7,789.88. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-04): XXXXX

08/05/2026

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

16949979

37102850

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $5,066.14 exceeds tolerance of $5,000.38. $65.76 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Origination Fee was disclosed as $5,000.38. on LE but disclosed as $5,066.14 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $65.76, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-04): XXXXX

08/05/2026

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

16949979

37102866

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

07/31/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

16949979

37125225

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)

07/31/2026

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Safe Harbor QM (APOR)

Yes

[redacted]

16949979

37147440

Compliance

State Compliance

State Defect

XXXXX CHL Complaint Agency Disclosure Timing Testing

XXXXX Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2026-08-07): XXXXX

Seller Comment (2026-08-05): XXXXX

08/07/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

10916005

37150574

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/06/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

10630004

37145732

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $1,100.00 exceeds tolerance of $0.00. $1,100.00 over legal limit. Insufficient or no cure was provided to the borrower.

Survey Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $1,100.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, evidence of cure in file.

Reviewer Comment (2026-08-21): XXXXX

Seller Comment (2026-08-20): XXXXX

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-07): XXXXX

08/21/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

10630004

37145810

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

Reviewer Comment (2026-08-14): XXXXX

Seller Comment (2026-08-14): XXXXX

Reviewer Comment (2026-08-10): XXXXX

Seller Comment (2026-08-07): XXXXX

08/14/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12690759

37032968

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Schedule C

General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.

The file was missing a copy of the Third-Party Verification for the borrower, XXXXX. VVOE was provided stating the verification was completed with a CPA, but the CPA letter was not provided.

Reviewer Comment (2026-08-07): XXXXX

Reviewer Comment (2026-07-30): XXXXX

08/07/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12690759

37032973

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-07): XXXXX

08/07/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

12690759

37033044

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,509.12 exceeds tolerance of $0.00. $1,509.12 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points was last disclosed as $0.00 on LE but disclosed as $1,509.12 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,509.12, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-30): XXXXX

07/30/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12690759

37033045

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. $400.00 over legal limit. Insufficient or no cure was provided to the borrower.

Administration Fee last disclosed as $0.00 on LE but disclosed as $400.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-21): XXXXX

Reviewer Comment (2026-07-30): XXXXX

08/21/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12690759

37033046

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $171.25 exceeds tolerance of $0.00. $171.25 over legal limit. Insufficient or no cure was provided to the borrower.

Appraisal Review Fee was last disclosed as $0.00 on LE but disclosed as $171.25 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $171.25, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-21): XXXXX

Reviewer Comment (2026-07-30): XXXXX

08/21/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12690759

37033056

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 4506-C. Fee Amount of $88.00 exceeds tolerance of $50.00. $38.00 over legal limit. Insufficient or no cure was provided to the borrower.

0% Tolerance Fee Fee was last disclosed as $50.00 on LE but disclosed as $2,168.37.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,118.37.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-30): XXXXX

07/30/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

14442214

37158013

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.

08/07/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

13252969

37201218

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. The file contained a copy of the XXXXX 1040s and business returns.

08/13/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18023824

37140607

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/05/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11720149

37173187

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

The preliminary title report did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/07/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19980790

37096325

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

07/30/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

19980790

37096566

Credit

Missing Document

General

Missing Document

Missing Document: Evidence of Access to Funds not provided

Provide CPA/Evidence of Access to funds from business stating withdrawal of funds from business not negatively impact- XXXXX
Acc no ending with #XXXXX

Reviewer Comment (2026-08-03): XXXXX

Seller Comment (2026-07-31): XXXXX

08/03/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

19980790

37133576

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $966.00 exceeds tolerance of $672.00 plus 10% or $739.20. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19980790

37133577

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Modification Fee. Fee Amount of $2,000.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

15796185

37076474

Compliance

State Compliance

Misc. State Level

Colorado Home Loan (Ability to Repay not Verified)

XXXXX Home Loan (HB1322): Borrower's ability to repay not verified with reliable documentation.

Reviewer Comment (2026-08-06): XXXXX

08/06/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16963532

37043885

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

The file was missing a copy of the insurance verification for property located at XXXXX.

Reviewer Comment (2026-07-28): XXXXX

Seller Comment (2026-07-28): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

16963532

37043892

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

The file was missing a copy of the insurance verification and HOA verification for property located at XXXXX.

Reviewer Comment (2026-07-28): XXXXX

Seller Comment (2026-07-28): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

13688484

37212178

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower.

Second Appraisal Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $92.70 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing.

Reviewer Comment (2026-08-12): XXXXX

08/12/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

13688484

37212179

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $375.00 exceeds tolerance of $0.00. $375.00 over legal limit. Insufficient or no cure was provided to the borrower.

Survey Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $375.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $375.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-09-01): XXXXX

Seller Comment (2026-08-28): XXXXX

Reviewer Comment (2026-08-28): XXXXX

Seller Comment (2026-08-27): XXXXX

09/01/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

13688484

37212663

Credit

Credit Documentation

Guideline

Missing Document: Asset not provided

Closing statement from sale of previous home is not signed and dated by any party.

Reviewer Comment (2026-08-18): XXXXX

Seller Comment (2026-08-18): XXXXX

Reviewer Comment (2026-08-17): XXXXX

Seller Comment (2026-08-17): XXXXX

08/18/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13688484

37212815

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Reviewer Comment (2026-08-18): XXXXX

Seller Comment (2026-08-18): XXXXX

Reviewer Comment (2026-08-17): XXXXX

Seller Comment (2026-08-17): XXXXX

08/18/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13688484

37212817

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-18): XXXXX

Reviewer Comment (2026-08-17): XXXXX

Seller Comment (2026-08-17): XXXXX

08/18/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

13688484

37421520

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Reviewer Comment (2026-09-01): XXXXX

09/01/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18227888

37315468

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Reviewer Comment (2026-08-27): XXXXX

Seller Comment (2026-08-26): XXXXX

08/27/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

16283852

37211139

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $295.25 exceeds tolerance of $259.00. Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Fee was last disclosed as $259 on LE but disclosed as $295.25 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-12): XXXXX

08/12/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

15293000

37114917

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns.

08/03/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

15293000

37114918

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns.

08/03/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

15293000

37115008

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo/co-op is warrantable.

File does not contain documentation from lender/seller confirming the condo is warrantable.

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-05): XXXXX

08/05/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

15293000

37115407

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/03/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

12719100

37114451

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $213.10 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing.

Credit Report Fee was last disclosed as $150.00 on Initial closing disclosure but disclosed as $213.10 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $63.10, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-30): XXXXX

07/30/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

12719100

37114468

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/03/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

12719100

37114577

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

File is missing Tax Verification and Insurance document to verify other expenses for REO property 'XXXXX'.

Reviewer Comment (2026-08-14): XXXXX

Seller Comment (2026-08-13): XXXXX

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-05): XXXXX

08/14/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

12719100

37114601

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

File is missing Tax Verification and Insurance document to verify other expenses for REO property XXXXX.

Reviewer Comment (2026-08-14): XXXXX

Seller Comment (2026-08-13): XXXXX

Reviewer Comment (2026-08-10): XXXXX

Seller Comment (2026-08-10): XXXXX

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-05): XXXXX

08/14/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

12719100

37114611

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

File is missing Insurance document to verify other expenses for REO property XXXXX.

Reviewer Comment (2026-08-05): XXXXX

Seller Comment (2026-08-05): XXXXX

08/05/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

12719100

37114983

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-18): XXXXX

Reviewer Comment (2026-08-07): XXXXX

Reviewer Comment (2026-08-06): XXXXX

Seller Comment (2026-08-04): XXXXX

08/18/2026

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

12719100

37114984

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-18): XXXXX

Reviewer Comment (2026-08-06): XXXXX

Seller Comment (2026-08-05): XXXXX

08/18/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

12719100

37186457

Compliance

Federal Compliance

ATR/QM Defect

Check Restated Loan Designation Match - General Ability to Repay

Ability to Repay (Dodd-Frank XXXXX): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.

Loan designation restated to NQM per client request.

Reviewer Comment (2026-08-07): XXXXX

08/07/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

17795200

37139926

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $810.00 exceeds tolerance of $795.00. Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Fee was last disclosed as $795.00 on LE but disclosed as $810.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, but cure is provided.

Reviewer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19484287

37180942

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-07): XXXXX

08/07/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

10827047

37137470

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.

Reviewer Comment (2026-08-05): XXXXX

08/06/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

10827047

37137471

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s and business returns.

Reviewer Comment (2026-08-05): XXXXX

08/06/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

10827047

37137499

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/06/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

36984611

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying assets for closing of $237,488.00 is less than cash from borrower $263,592.32.

Reviewer Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

36986648

Compliance

Federal Compliance

TRID Defect

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing.

The file was missing a copy of the Loan Estimate not received by the borrower at least four (4) business days prior to closing.

Reviewer Comment (2026-07-22): XXXXX

Seller Comment (2026-07-21): XXXXX

07/22/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

18410166

36988249

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX business tax return for XXXXX.

07/17/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

36988250

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX business tax return for XXXXX.

07/17/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

36988630

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX and XXXXX business tax return for XXXXX.

07/17/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

37016537

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

Missing source of funds for the $25,000 gift wire.

Reviewer Comment (2026-07-21): XXXXX

Seller Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

37016538

Credit

Asset

Asset Documentation

Asset

Missing Document: Gift Letter not provided

Missing gift letter for the $25,000 gift wire.

Reviewer Comment (2026-07-21): XXXXX

Seller Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

37016540

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

Missing source of funds for the $45,000 gift wire.

Reviewer Comment (2026-07-21): XXXXX

Seller Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

37016541

Credit

Asset

Asset Documentation

Asset

Missing Document: Gift Letter not provided

Missing gift letter for the $45,000 gift wire.

Reviewer Comment (2026-07-21): XXXXX

Seller Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

37016583

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Reviewer Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18410166

37016588

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-21): XXXXX

07/21/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

16076055

37137366

Compliance

Federal Compliance

TRID Defect

TRID Revised Loan Estimate Timing Before Closing Test

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing.

Revised Loan Estimate provided on XX/XX/XX was not received by borrower at least four (4) business days prior to closing.

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-10): XXXXX

08/11/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

16076055

37137367

Compliance

Federal Compliance

TRID Defect

TRID Revised Loan Estimate Timing Before Closing Test

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing.

Revised Loan Estimate provided on XX/XX/XX was not received by borrower at least four (4) business days prior to closing.

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-10): XXXXX

08/11/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

16076055

37137410

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/06/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17554566

37086353

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns.

07/30/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17554566

37086711

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,237.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19400481

37212868

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/14/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

19400481

37216628

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Reviewer Comment (2026-08-20): XXXXX

Seller Comment (2026-08-19): XXXXX

08/20/2026

Primary

Refinance - Cash-out - Other

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

19400481

37216629

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Second Appraisal Fee was last disclosed as $0.00 on Initial closing disclosure but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2026-08-12): XXXXX

08/12/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19400481

37216630

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $252.00 exceeds tolerance of $219.00. Sufficient or excess cure was provided to the borrower at Closing.

Credit Report Fee was last disclosed as $219.00 on Initial closing disclosure but disclosed as $252.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2026-08-12): XXXXX

08/12/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18629742

37056581

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared.

Reviewer Comment (2026-07-31): XXXXX

Seller Comment (2026-07-28): XXXXX

07/31/2026

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

18629742

37056582

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 53.70383% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)

The DTI of 53.70% exceeds the QM maximum of 50.00%. The difference is due to income calculations were performed on XXXXX schedule K1s by lender and the XXXXX K1s for all utilized income were not provided.

Reviewer Comment (2026-07-31): XXXXX

Seller Comment (2026-07-28): XXXXX

07/31/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

18629742

37056583

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

The DTI of 53.70% exceeds the QM maximum of 50.00%. The difference is due to income detail for co-borrower not provided for XXXXX.

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-28): XXXXX

07/30/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

18629742

37056584

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040s.

07/27/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

18629742

37056585

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Product Change

TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.

Closing Disclosure issued on XX/XX/XX contains a change in loan product, and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.

Reviewer Comment (2026-07-29): XXXXX

07/29/2026

Primary

Refinance - Cash-out - Other

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

18629742

37056586

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Regular APR Change

TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.

Closing Disclosure issued on XX/XX/XX contains a change in APR, and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.

Reviewer Comment (2026-07-29): XXXXX

Seller Comment (2026-07-28): XXXXX

07/29/2026

Primary

Refinance - Cash-out - Other

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

18629742

37056587

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $2,000.00 exceeds tolerance of $1,250.00. Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Fee was last disclosed as $1,250.00 on Loan Estimate but disclosed as $2,000.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee.

Reviewer Comment (2026-07-23): XXXXX

07/23/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18629742

37056588

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $2,000.00 exceeds tolerance of $1,250.00. Sufficient or excess cure was provided to the borrower at Closing.

Second Appraisal Fee was last disclosed as $1,250.00 on Loan Estimate but disclosed as $2,000.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, but cure is provided.

Reviewer Comment (2026-07-23): XXXXX

07/23/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18629742

37056589

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

DTI variance appears to be a result of the fact that the Lender's income worksheet used XXXXX K-1 documents for XXXXX which are missing from the file.

Reviewer Comment (2026-07-31): XXXXX

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-30): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Seller Comment (2026-07-28): XXXXX

07/31/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

18629742

37060379

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

File is missing the XXXXX K-1 and 1065 documents for XXXXX.

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-30): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Seller Comment (2026-07-28): XXXXX

07/30/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

18629742

37083004

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

File is missing XXXXX schedule K1s in all instances where the income was used to qualify borrower.

Reviewer Comment (2026-07-30): XXXXX

Seller Comment (2026-07-30): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Seller Comment (2026-07-28): XXXXX

07/30/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

11920050

37111955

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/03/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19930103

37242214

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower.

Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-21): XXXXX

Seller Comment (2026-08-20): XXXXX

08/21/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

13785948

37104804

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Missing Final 1003

The Final 1003 document is missing in the file.

Reviewer Comment (2026-08-17): XXXXX

Seller Comment (2026-08-17): XXXXX

08/17/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13785948

37104806

Credit

Credit Documentation

Missing Document

Missing Document: Credit Report not provided

Credit Report document is missing in the file.

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

08/04/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13785948

37104812

Credit

Loan Package Documentation

Closing / Title

Missing Document

Missing Document: Security Instrument - Subject Lien not provided

The Security Instrument document is missing in the file.

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

08/04/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13785948

37104825

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

07/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13785948

37104899

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

08/04/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

13785948

37104900

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-04): XXXXX

Seller Comment (2026-08-04): XXXXX

08/04/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11870580

37100631

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

07/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19811629

37044658

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-27): XXXXX

07/27/2026

Primary

Refinance - Rate/Term

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

18433305

37156590

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-11): XXXXX

08/11/2026

Primary

Refinance - Cash-out - Other

Letter of Explanation & Corrected Closing Disclosure

Safe Harbor QM (APOR)

Yes

[redacted]

18433305

37156612

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/07/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

11471466

37109473

Compliance

Federal Compliance

TRID Defect

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

Disclosures were sent to borrower prior to obtaining consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application.

Reviewer Comment (2026-08-06): XXXXX

Seller Comment (2026-08-06): XXXXX

08/06/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

17384616

37212224

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $123.60, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-12): XXXXX

08/12/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

17384616

37212253

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.

08/14/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17384616

37212254

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.

08/14/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17384616

37212255

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.

08/14/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17384616

37212256

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension was provided in the file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040s and business returns.

08/14/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17435488

37383143

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and business returns.

08/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17435488

37383144

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-5,797.58. Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-5,797.58. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2026-09-03): XXXXX

Seller Comment (2026-09-02): XXXXX

09/03/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

17435488

37383147

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,530.74 exceeds tolerance of $0.00. $12,530.74 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $12,530.74 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file.

Reviewer Comment (2026-09-03): XXXXX

Seller Comment (2026-09-02): XXXXX

09/03/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12112454

37318613

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/25/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16592769

37138525

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $163,059.89. Proof of proceeds for sale of prior residence was not provided.

Reviewer Comment (2026-08-10): XXXXX

Seller Comment (2026-08-07): XXXXX

08/10/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17393264

37138319

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing.

10% tolerance was exceeded by $19 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $19, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

14565532

37169961

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Reviewer Comment (2026-08-13): XXXXX

Seller Comment (2026-08-12): XXXXX

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-11): XXXXX

08/13/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

12404573

37090952

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance was exceeded for the Appraisal Fee. The fee amount of $750.00 exceeds the tolerance of $550.00. Sufficient or excess cure was provided to the borrower at closing.

Reviewer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Refinance - Rate/Term

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

14711547

37159015

Credit

Hazard Insurance

Insufficient Coverage

Hazard Insurance

The Hazard Insurance Policy effective date is after the funds disbursed.

Hazard Insurance Policy Effective Date XX/XX/XX; Disbursement Date: XX/XX/XX; Note Date: XX/XX/XX; Transaction Date: XX/XX/XX.

Reviewer Comment (2026-08-10): XXXXX

Seller Comment (2026-08-10): XXXXX

08/10/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

15887787

37158752

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-21,779.20 exceeds tolerance of $-26,174.00. Insufficient or no cure was provided to the borrower.

Lender credits were disclosed as -$26,174.00 on the Loan Estimate but disclosed as -$21,779.20 on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance (COC) for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $4,394.80, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-10): XXXXX

08/11/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

15887787

37158821

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

Reviewer Comment (2026-08-18): XXXXX

Seller Comment (2026-08-18): XXXXX

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-10): XXXXX

08/18/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19795050

37298257

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Title

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

The file was missing a copy of the final title policy.

Reviewer Comment (2026-09-09): XXXXX

09/09/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19795050

37298262

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided.

Reviewer Comment (2026-09-09): XXXXX

Seller Comment (2026-09-04): XXXXX

09/09/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11508675

37113321

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $221.30 exceeds tolerance of $160.00. Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $221.30 exceeds tolerance of $160.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-30): XXXXX

07/30/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19063217

37298193

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/24/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

10632163

37261453

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,069.65 exceeds tolerance of $5,461.00 plus 10% or $6,007.10. Sufficient or excess cure was provided to the borrower at Closing.

Title Fees were last disclosed as $6,007.10 on Loan Estimate but disclosed as $6,069.65 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing.

Reviewer Comment (2026-08-18): XXXXX

08/18/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

10632163

37261454

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Collateral Desktop Analysis was last disclosed as $0.00 on Loan Estimate but disclosed as $171.25 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing.

Reviewer Comment (2026-08-18): XXXXX

08/18/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

10632163

37261455

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $492.00 exceeds tolerance of $390.00. Sufficient or excess cure was provided to the borrower at Closing.

Credit Report Fee was last disclosed as $390.00 on Loan Estimate but disclosed as $492.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at closing.

Reviewer Comment (2026-08-18): XXXXX

08/18/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18728469

37240998

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/19/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

10476321

37151082

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

Please provided VVOE within 10 days of closing

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-12): XXXXX

Reviewer Comment (2026-08-11): XXXXX

Seller Comment (2026-08-11): XXXXX

08/12/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18494950

37181182

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

The file was missing a copy of the AUS.

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-12): XXXXX

08/12/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18494950

37181202

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Legal / Regulatory / Compliance

Final Title Policy is missing. No evidence of title in file.

The file was missing a copy of the Title Evidence.

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-12): XXXXX

08/12/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18494950

37183568

Compliance

Federal Compliance

Missing Application Date

Missing Initial Loan Application Testing

No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX, XX/XX/XX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA XXXXX start date, RESPA XXXXX start date, TIL/MDIA XXXXX start date, LOS Application Date, Broker Application Date, or six months prior to consummation.

The file was missing a copy of the initial 1003.

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-12): XXXXX

08/12/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18494950

37183569

Compliance

Federal Compliance

TILA

NMLS - Missing Evidence of Initial Loan Application Date

Truth in Lending Act (NMLSR Dodd- Frank XXXXX): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

The file was missing a copy of the initial 1003.

Reviewer Comment (2026-08-12): XXXXX

Seller Comment (2026-08-12): XXXXX

08/12/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18545915

37222470

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $49.00 exceeds tolerance of $0.00. $49.00 over legal limit. Insufficient or no cure was provided to the borrower.

Pest Inspection Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $49.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $49.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-27): XXXXX

Seller Comment (2026-08-26): XXXXX

Reviewer Comment (2026-08-19): XXXXX

Seller Comment (2026-08-18): XXXXX

08/27/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

18545915

37222471

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower.

Survey Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $300.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $300.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-27): XXXXX

Reviewer Comment (2026-08-19): XXXXX

Seller Comment (2026-08-18): XXXXX

08/27/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

18041746

37276738

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS is missing in the file

Reviewer Comment (2026-08-24): XXXXX

Seller Comment (2026-08-24): XXXXX

08/24/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18041746

37277067

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $151.00 plus 10% or $166.10. Sufficient or excess cure was provided to the borrower at Closing.

10% tolerance was exceeded by $166.10 due to increase of Recording fee. No valid COC provided, but Cure is provided

Reviewer Comment (2026-08-19): XXXXX

08/19/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

16495772

37395990

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

08/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

15637352

37246522

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $585.00. $215.00 over legal limit. Insufficient or no cure was provided to the borrower.

Appraisal fee was disclosed as $585.00 on LE but disclosed as $800.00 in Final Closing Disclosure. File does not contain a valid COC for this fee; however, evidence of cure is in the file.

Reviewer Comment (2026-08-24): XXXXX

Seller Comment (2026-08-21): XXXXX

08/24/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

15637352

37246523

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $900.00 exceeds tolerance of $0.00. $900.00 over legal limit. Insufficient or no cure was provided to the borrower.

Survey fee was disclosed as $0.00 on LE but disclosed as $900.00 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $900.00, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-09-01): XXXXX

Seller Comment (2026-08-31): XXXXX

Reviewer Comment (2026-08-25): XXXXX

Seller Comment (2026-08-24): XXXXX

Reviewer Comment (2026-08-24): XXXXX

Seller Comment (2026-08-21): XXXXX

09/01/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

15637352

37424969

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $585.00. Sufficient or excess cure was provided to the borrower at Closing.

Sufficient cure provided at closing

Reviewer Comment (2026-09-01): XXXXX

09/01/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18987465

37478142

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title Evidence: ___;
State: ___

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-09-21): XXXXX

09/09/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18738158

37456836

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-07): XXXXX

07/07/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18738158

37456837

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $96.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-07): XXXXX

07/07/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

15233437

37456976

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures.

Reviewer Comment (2026-07-16): XXXXX

Buyer Comment (2026-07-15): XXXXX

Reviewer Comment (2026-07-09): XXXXX

Buyer Comment (2026-07-07): XXXXX

07/16/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18234893

37457082

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Provided appraisal report is dated XX/XX/XX and evidence of borrower's appraisal acknowledgement which is within 3 days of the note date. Either provide Appraisal Timing Waiver- Signed 3 business days prior to the note date or prior appraisal reports along with evidence of appraisal delivery.

Reviewer Comment (2026-07-20): XXXXX

Buyer Comment (2026-07-16): XXXXX

07/20/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18234893

37457084

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

AUS indicates that the most recent year of business tax returns XXXXX is required and an extension has been provided. EV2 informational.

Buyer Comment (2026-07-16): XXXXX

07/16/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18234893

37457085

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

Negative income captured. Missing XXXXX K-1. EV2

Buyer Comment (2026-07-16): XXXXX

07/16/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18234893

37457086

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

As per AUS, borrower is qualified with YTD paystub and W-2 for the most recent calendar year. Therefore, provide tax transcript or W-2 transcript for year XXXXX.

Reviewer Comment (2026-07-23): XXXXX

Buyer Comment (2026-07-22): XXXXX

07/23/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

18234893

37457088

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM Failure. This exception will be cleared once all QM specific Exceptions have been cured/Cleared.

Reviewer Comment (2026-07-23): XXXXX

07/23/2026

Second Home

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

18234893

37457089

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

QM failure due to income documentation exception. This exception will be cleared once all QM-specific exceptions have been cured or cleared.

Reviewer Comment (2026-07-23): XXXXX

07/23/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

17802099

37457305

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Reviewer Comment (2026-06-25): XXXXX

06/25/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

17802099

37457313

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.

File contains evidence that the appraisal report provided is an updated report. Delivery confirmations are dated earlier than the report date of the report located in the file. Lender to provide all previous appraisal reports/updates.

Reviewer Comment (2026-07-02): XXXXX

Buyer Comment (2026-06-30): XXXXX

07/02/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19313342

37459919

Credit

Insurance

Insurance Analysis

Insurance

Insurance address does not match Note address.

The Title document reflects subject property street address as "XXXXX". Primary Appraisal and Secondary Appraisal and Hazard Insurance document reflects subject property street address as "XXXXX". The credit documents to be updated to match title, or title to be changed, or client to accept as is. APN not in Legal

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19313342

37459920

Credit

System

General

Appraisal Reconciliation

Valuation address does not match Note address.

Reviewer Comment (2026-07-13): XXXXX

Buyer Comment (2026-07-09): XXXXX

07/13/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19313342

37459922

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided. Waiver not provided.

Reviewer Comment (2026-07-06): XXXXX

Buyer Comment (2026-07-01): XXXXX

07/06/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19313342

37459923

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided. Waiver not provided.

Reviewer Comment (2026-07-06): XXXXX

Buyer Comment (2026-07-01): XXXXX

07/06/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19313342

37459924

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided. Waiver not provided.

Reviewer Comment (2026-07-06): XXXXX

Buyer Comment (2026-07-01): XXXXX

07/06/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11184877

37459935

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Acknowledgement of receipt of appraisal is missing in file within 3 business days prior to consummation.

Buyer Comment (2026-07-13): XXXXX

Reviewer Comment (2026-07-13): XXXXX

Buyer Comment (2026-07-10): XXXXX

07/13/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

11184877

37459937

Credit

Miscellaneous

Credit

Missing Document: Credit Letter of Explanation (LOE) not provided

Per guidelines, Borrowers with no mortgage/rental history due to a residence scenario requiring no mortgage or rental payments are eligible with a satisfactory Letter of Explanation. Missing Letter of Explanation.

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-08-03): XXXXX

08/03/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

19253687

37459959

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,192.00 exceeds tolerance of $1,587.00 plus 10% or $1,745.70. $446.30 over legal limit. Insufficient or no cure was provided to the borrower.

10% tolerance was exceeded. No valid Change of Circumstance (COC) or cure was provided.

Reviewer Comment (2026-08-05): XXXXX

Buyer Comment (2026-08-04): XXXXX

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-30): XXXXX

08/05/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

19253687

37459961

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Transcripts (1040 or W2) are required for the year XXXXX.

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-30): XXXXX

07/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19253687

37459962

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM Failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-30): XXXXX

07/31/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

19253687

37459963

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

QM failure due to Tax Transcripts exception. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-30): XXXXX

07/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13412049

37460036

Compliance

Federal Compliance

Missing Disclosure

Notice of Special Flood Hazard Disclosure Not Provided Timely

FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.

The file was missing a copy of the Notice of Special Flood Hazard Disclosure for all borrowers provided within 3 days of the originator's application date. Initial Disclosure provided is not dated.

Reviewer Comment (2026-08-19): XXXXX

Buyer Comment (2026-08-18): XXXXX

08/19/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

13412049

37460038

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $127.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing.

Cure provided.

Reviewer Comment (2026-08-12): XXXXX

08/12/2026

Primary

Refinance - Rate/Term

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

10997946

37460042

Compliance

Loan Package Documentation

Closing / Title

Missing, Incorrect, or Incomplete Note

Missing Document: Note - Subject Lien not provided

The second page of the Note is missing from the file. Therefore, the Note was marked as missing, and late charge information was considered and updated from the supporting document, Loan Estimate.

Reviewer Comment (2026-07-21): XXXXX

Buyer Comment (2026-07-20): XXXXX

07/21/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

10997946

37460043

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.

File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates.

Reviewer Comment (2026-07-23): XXXXX

Buyer Comment (2026-07-22): XXXXX

07/23/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

10997946

37460044

Credit

Credit Eligibility

Credit

There are red flags on the fraud report that have not been addressed

Fraud report must meet all requirements of section 5.0 Borrower Eligibility. Fraud report should include a comparison of all participant names against industry watch and exclusionary lists such as OFAC. Missing appraiser and appraisal company.

Reviewer Comment (2026-07-24): XXXXX

Buyer Comment (2026-07-22): XXXXX

07/24/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

10997946

37460045

Credit

Credit Eligibility

Credit

There are red flags on the fraud report that have not been addressed

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/27/2026

Second Home

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

12533554

37460049

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

Appraisal report dated XX/XX/XX and Note date is XX/XX/XX; however, the acknowledgment of appraisal delivery was not received.

Buyer Comment (2026-08-04): XXXXX

Reviewer Comment (2026-08-04): XXXXX

Buyer Comment (2026-08-03): XXXXX

08/04/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

12533554

37460051

Compliance

Federal Compliance

RESPA

RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Reviewer Comment (2026-08-06): XXXXX

Buyer Comment (2026-08-05): XXXXX

Reviewer Comment (2026-08-04): XXXXX

Buyer Comment (2026-08-03): XXXXX

08/06/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

12533554

37460052

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Notice of Right to Cancel was not executed on the proper model form for a refinancing by the same creditor. The H-8 form was used; the H-9 form should have been used. EV2 informational.

Buyer Comment (2026-08-11): XXXXX

Reviewer Comment (2026-08-11): XXXXX

Buyer Comment (2026-08-10): XXXXX

08/11/2026

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Safe Harbor QM (APOR)

Yes

[redacted]

13323454

37460103

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Wage Transcripts or Tax Transcripts required for year XXXXX & XXXXX.

Reviewer Comment (2026-08-11): XXXXX

Buyer Comment (2026-08-11): XXXXX

08/11/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

13323454

37460104

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to Qualified Mortgage failure. This exception will be cleared once all Qualified Mortgage specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-11): XXXXX

08/11/2026

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

13323454

37460105

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Qualified Mortgage failure due to insufficient income documentation. This exception will be cleared once all Qualified Mortgage specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-11): XXXXX

08/11/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

19252705

37460123

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Appraisal provided XX/XX/XX but we are missing evidence the borrower received it within 3 days of closing was not provided. Waiver not provided.

Reviewer Comment (2026-07-16): XXXXX

Buyer Comment (2026-07-15): XXXXX

07/16/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19252705

37460124

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Secondary Appraisal provided XX/XX/XX but we are missing evidence the borrower received it within 3 days of closing was not provided. Waiver not provided.

Reviewer Comment (2026-07-16): XXXXX

Buyer Comment (2026-07-15): XXXXX

07/16/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19252705

37460126

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $450.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-10): XXXXX

07/10/2026

Second Home

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19252705

37460127

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Title

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Reviewer Comment (2026-07-28): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19252705

37460128

Credit

Credit Documentation

Credit

No evidence of fraud report in file

Require Fraud report as it is not present in file.

Reviewer Comment (2026-07-16): XXXXX

Buyer Comment (2026-07-15): XXXXX

07/16/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19252705

37460130

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Need wage transcript or tax transcript for year XXXXX. DU did not validate income.

Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above 680.

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/28/2026

Yes

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19252705

37460131

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Second Home

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

19252705

37460132

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

QM failure due to insufficient income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

19252705

37460134

Credit

Loan Package Documentation

Closing / Title

Loan Package Documentation

Note Error: Street address is blank.

City name is "XXXXX" on Tile report, Purchase contract, Tax cert. However, city name as per note and all other major documents is "XXXXX".

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

Reviewer Comment (2026-07-24): XXXXX

Buyer Comment (2026-07-24): XXXXX

Reviewer Comment (2026-07-17): XXXXX

Buyer Comment (2026-07-16): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

16053355

37460203

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification of appraisal dated XX/XX/XX, delivered to the borrower within 3 days of closing, was not provided. Waiver was not provided.

Buyer Comment (2026-08-13): XXXXX

Reviewer Comment (2026-08-13): XXXXX

Buyer Comment (2026-08-12): XXXXX

08/13/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13331784

37460220

Credit

Loan Package Documentation

Application / Processing

Flood

FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster.

The most recent valuation inspection is dated prior to a FEMA disaster. Most Recent Valuation Inspection Date: XX/XX/XX. Disaster End Date: XX/XX/XX.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13331784

37460221

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $211.15 exceeds tolerance of $169.95. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-10): XXXXX

07/10/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

13331784

37460222

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

AUS did not validate income. Missing XXXXX and XXXXX Transcripts.

Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.

Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.

The Loan to Value (LTV) on the loan is less than or equal to 70%.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above 680.

$XX.XX vs $XX.XX

SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

Reviewer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/29/2026

Yes

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13331784

37460223

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

AUS did not validate income. Missing XXXXX and XXXXX Transcripts.

$XX.XX vs $XX.XX

SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC

Reviewer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/29/2026

Yes

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

15485522

37460236

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $12,500.00 exceeds tolerance of $10,000.00. $2,500.00 over legal limit. Insufficient or no cure was provided to the borrower.

Loan discount points were disclosed as $10,000.00 on Initial Loan Estimate and $12,500.00 on Final Closing Disclosure. No evidence of cure and no valid COC provided in file.

Reviewer Comment (2026-08-20): XXXXX

Buyer Comment (2026-08-19): XXXXX

08/20/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

17821532

37460328

Credit

Credit Documentation

Guideline

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Borrower's current address is XXXXX, free and clear. Co-Borrower's current address is XXXXX, with no primary housing expense. Borrowers with no mortgage or rental history due to a residence scenario requiring no mortgage or rental payments are eligible with a satisfactory letter of explanation; however, the letter of explanation is missing from the file.

Reviewer Comment (2026-07-20): XXXXX

Buyer Comment (2026-07-17): XXXXX

07/20/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17821532

37460330

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

HOI coverage is insufficient by $13,700.00. Coverage must meet XXXXX requirements, Missing ERC.

Reviewer Comment (2026-08-07): XXXXX

Buyer Comment (2026-08-07): XXXXX

Reviewer Comment (2026-07-30): XXXXX

Buyer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-21): XXXXX

Buyer Comment (2026-07-17): XXXXX

08/07/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17821532

37460332

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $184.00 exceeds tolerance of $130.00 plus 10% or $143.00. $41.00 over legal limit. Insufficient or no cure was provided to the borrower.

The 10% tolerance was exceeded by $54.00 due to an increase of $130.00 in the Recording Fee Total. No valid COC or cure provided.

Reviewer Comment (2026-08-06): XXXXX

Buyer Comment (2026-08-05): XXXXX

Reviewer Comment (2026-07-29): XXXXX

Buyer Comment (2026-07-28): XXXXX

08/06/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

10645997

37460340

Compliance

Federal Compliance

Flood

Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone

Loan originated post XXXXX, the subject property is in a flood zone, flood insurance is not escrowed.

Premium for 1 year was paid at closing but not escrowed.

Reviewer Comment (2026-07-23): XXXXX

Buyer Comment (2026-07-21): XXXXX

07/23/2026

Second Home

Purchase

Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable)

Safe Harbor QM (APOR)

Yes

[redacted]

12153458

37460343

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

Require a signed and dated 4506-C document for the years XXXXX and XXXXX with the year or period mentioned under Section 8 for the borrower, XXXXX, as the current 4506-C is signed and dated; however, the year or period requested under Section 8 is blank.

Reviewer Comment (2026-07-30): XXXXX

Buyer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/30/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12153458

37460344

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.

Require HUD/Seller Closing Disclosure/Closing Statement for proof of sale of property XXXXX for the amount of $XXX, as it is missing from the file and is also required to meet the closing requirements.

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12153458

37460346

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal, which was delivered to the borrower within 3 days of closing, was not provided. A waiver was also not provided.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12153458

37460348

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured or cleared.

Reviewer Comment (2026-07-30): XXXXX

Buyer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/30/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

12153458

37460349

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

QM failure due to insufficient income documentation. This exception will be cleared once all QM-specific exceptions have been cured or cleared.

Reviewer Comment (2026-07-30): XXXXX

Buyer Comment (2026-07-29): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/30/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12153458

37460350

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

The creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation, as of XX/XX/XX.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12153458

37460351

Credit

Credit Documentation

Credit

Credit Report Error: Missing source document for credit/housing history.

XXXXX #XXXXX is missing XX/XX/XX payment.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19453098

37460352

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $240.00 exceeds tolerance of $190.00 plus 10% or $209.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-10): XXXXX

07/10/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

19453098

37460354

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

AUS indicates that the income to be considered for the most recent 2-year period. Missing XXXXX & XXXXX tax transcripts.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19453098

37460356

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

19453098

37460357

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

QM failure due to transcript documentation exception. This exception will be cleared once all QM-specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-28): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460379

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal, which was to be delivered to the borrower within 3 days of closing, was not found in file. Waiver was not found in file.

Reviewer Comment (2026-07-20): XXXXX

Buyer Comment (2026-07-20): XXXXX

07/20/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460382

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

EV2, missing entity 7004 extension.

Buyer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460383

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

EV2, missing entity 7004 extension.

Buyer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460384

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

EV2, missing entity 7004 extension.

Buyer Comment (2026-07-28): XXXXX

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460385

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

EV2, missing entity 7004 extension.

Buyer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/28/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460387

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

Missing XXXXX 7004 extension for XXXXX and XXXXX

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/27/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

14409734

37460388

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/27/2026

Second Home

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

14409734

37460389

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/27/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

12209556

37460847

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Tax and insurance verification not provided for properties located at XXXXX and XXXXX, and XXXXX.

Reviewer Comment (2026-07-29): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/29/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12209556

37460849

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

- ___

Missing HOA Verification, Insurance Verification, Tax Verification for XXXXX

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-07-30): XXXXX

Reviewer Comment (2026-07-29): XXXXX

Buyer Comment (2026-07-27): XXXXX

08/03/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460863

Credit

Asset

Asset Documentation

Asset

Asset documentation requirements not met.

Missing asset proof of pending net sale proceeds from real estate amount of $979,206.85.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460864

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Asset documentation requirements not met.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

14686451

37460865

Compliance

Federal Compliance

ATR/QM Defect

Income/Asset Guideline Deficiency - QM Impact

General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)

Waterfall due to missing asset proof of pending net sale proceeds from real estate amount of $979,206.85.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460867

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

REO documents are marked missing to verify tax, insurance, and REO expenses.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460868

Credit

Missing Document

General

Missing Document

Missing Document: HUD/CD (Asset) not provided

Missing asset proof of pending net sale proceeds from real estate amount of $979,206.85.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460869

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Missing asset proof of pending net sale proceeds from real estate amount of $979,206.85.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460870

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

AUS Findings: Qualifying asset balance discrepancy.

Missing asset proof of pending net sale proceeds from real estate amount of $979,206.85.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14686451

37460871

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Waterfall due to missing asset proof of pending net sale proceeds from real estate amount of $979,206.85.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-23): XXXXX

07/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16560742

37460923

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $561.11 exceeds tolerance of $0.00. $561.11 over legal limit. Insufficient or no cure was provided to the borrower.

Survey Fee was last disclosed as $0 on LE but disclosed as $561.11 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $561.11 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-29): XXXXX

07/31/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

14642197

37460953

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Waterfall exception due to Third-Party Verification and CPA letter not provided.

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-07-30): XXXXX

08/03/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

14642197

37460954

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Schedule C

General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.

Waterfall exception due to Third-Party Verification and CPA letter not provided.

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-07-30): XXXXX

08/03/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14642197

37460956

Credit

Income / Employment

Income Documentation

Income / Employment

Income documentation requirements not met.

Third-party verification and CPA letter not provided.

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-07-30): XXXXX

08/03/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14642197

37460957

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Waterfall exception due to third-party verification and CPA letter not provided.

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-07-30): XXXXX

08/03/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14642197

37460958

Compliance

Federal Compliance

ATR/QM Defect

Income/Asset Guideline Deficiency - QM Impact

Third-party verification and CPA letter not provided.

Reviewer Comment (2026-08-03): XXXXX

Buyer Comment (2026-07-30): XXXXX

08/03/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12395799

37461008

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11)

Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) Notice provided on an exempt transaction (no new money being extended on a same lender refinance).

Loan transaction paid off a lender to lender mortgage. The H8 RTC form was used, however the H9 RTC form should have been used. Please provide the corrected RTC with a new rescission period (does not need to be signed), letter to borrower explaining the issue and the mailing label. Borrower must receive the Corrected package at least 3 business days prior to the new expiration date on the corrected RTC.

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Safe Harbor QM (APOR)

Yes

[redacted]

12395799

37461007

Credit

Loan Package Documentation

Application / Processing

Flood

FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster.

Reviewer Comment (2026-08-07): XXXXX

Buyer Comment (2026-08-06): XXXXX

08/07/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

16400208

37461060

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower.

No valid COC or lender cure was provided for the increase in 0% tolerance fees.

Reviewer Comment (2026-08-12): XXXXX

Buyer Comment (2026-08-11): XXXXX

08/12/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

16400208

37461061

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $348.80 exceeds tolerance of $319.00. $29.80 over legal limit. Insufficient or no cure was provided to the borrower.

No valid COC or lender cure was provided for the increase in 0% tolerance fees.

Reviewer Comment (2026-08-10): XXXXX

Buyer Comment (2026-08-07): XXXXX

08/10/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

18377768

37461079

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-06): XXXXX

08/06/2026

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

18377768

37461081

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

AUS Findings: Refinance purpose discrepancy.

The loan is considered a Cash-Out refinance due to the payoff of a non-purchase second mortgage. The AUS was run as a Limited Rate & Term Refinance Subordinating the second.

Reviewer Comment (2026-08-17): XXXXX

Buyer Comment (2026-08-13): XXXXX

08/17/2026

Primary

Refinance - Cash-out - Other

Safe Harbor QM (APOR)

[redacted]

18377768

37461082

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2026-08-19): XXXXX

Buyer Comment (2026-08-18): XXXXX

08/19/2026

Primary

Refinance - Cash-out - Other

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

Safe Harbor QM (APOR)

Yes

[redacted]

15493961

37461108

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. $0.90 over legal limit. Insufficient or no cure was provided to the borrower.

File does not contain a valid COC for the recording fee, nor evidence of cure is provided in file.

Reviewer Comment (2026-08-13): XXXXX

Buyer Comment (2026-08-12): XXXXX

08/13/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

19531577

37461128

Credit

Disclosure

Missing Document

Disclosure

E-sign Consent Agreement is missing.

Reviewer Comment (2026-08-14): XXXXX

Buyer Comment (2026-08-13): XXXXX

08/14/2026

Primary

Refinance - Rate/Term

Safe Harbor QM (APOR)

[redacted]

19531577

37461129

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $274.00 exceeds tolerance of $225.00 plus 10% or $247.50. $26.50 over legal limit. Insufficient or no cure was provided to the borrower.

Recording fee of $375.00 exceeds tolerance of $225.00 plus 10% or $247.50. $127.50 with no valid change of circumstances and no cure was provided to the borrower.

Reviewer Comment (2026-08-20): XXXXX

Buyer Comment (2026-08-19): XXXXX

Reviewer Comment (2026-08-17): XXXXX

Buyer Comment (2026-08-14): XXXXX

Reviewer Comment (2026-08-14): XXXXX

Buyer Comment (2026-08-13): XXXXX

08/20/2026

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

19531577

37461130

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower.

Appraisal Desk Review Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 with no change of circumstances, but cure was provided to the borrower to justify this increase.

Reviewer Comment (2026-08-14): XXXXX

Buyer Comment (2026-08-13): XXXXX

08/14/2026

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

19531577

37461131

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-14): XXXXX

08/14/2026

Primary

Refinance - Rate/Term

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

14187084

37463191

Compliance

State Compliance

State Defect

XXXXX SB 1894

XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2026-07-10): XXXXX

Buyer Comment (2026-07-09): XXXXX

07/10/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14187084

37463192

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

Application date is XX/XX/XX, but Initial Loan Estimate was provided on XX/XX/XX.

Reviewer Comment (2026-07-13): XXXXX

Buyer Comment (2026-07-09): XXXXX

Reviewer Comment (2026-07-09): XXXXX

Buyer Comment (2026-07-08): XXXXX

07/13/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

10465512

37463224

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

Tax Extension document was not located in the file for XXXXX/Schedule K-1

Reviewer Comment (2026-07-22): XXXXX

Buyer Comment (2026-07-20): XXXXX

Reviewer Comment (2026-07-17): XXXXX

Buyer Comment (2026-07-15): XXXXX

07/22/2026

Second Home

Purchase

Safe Harbor QM (APOR)

[redacted]

11245235

37463234

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS is missing in file.

Reviewer Comment (2026-07-21): XXXXX

Buyer Comment (2026-07-20): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11245235

37463235

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

AUS/Guideline Findings: All conditions were not met

AUS is missing in file.

Reviewer Comment (2026-07-21): XXXXX

Buyer Comment (2026-07-20): XXXXX

07/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11205596

37708264

Credit

Property - Appraisal

General Appraisal Requirements

Property - Appraisal

Valuation Issue: Subject loan is a personal property dwelling.

Appraisal report effective date XX/XX/XX is reflecting ADU on the subject comparable, whereas page 1 is not marked for ADU. A second appraisal in the file reflects the subject comparable as ADU, and page 1 is also marked with ADU. The required appraisal must include at least 1 comparable property with a similar ADU.

Reviewer Comment (2026-08-28): XXXXX

Buyer Comment (2026-08-27): XXXXX

Reviewer Comment (2026-07-29): XXXXX

Buyer Comment (2026-07-28): XXXXX

08/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11205596

37708266

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

A previous appraisal report dated 3 days prior to the note date is required. The appraisal report provided in the file is dated XX/XX/XX, and the note date is XX/XX/XX.

Buyer Comment (2026-07-24): XXXXX

07/24/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11205596

37708271

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

Missing evidence of HELOC fund disbursement.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11205596

37708272

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Missing evidence of HELOC fund disbursement.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11205596

37708273

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $220.00 exceeds tolerance of $100.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower.

Two COC's in file one states cure for water testing another states new fee.

Reviewer Comment (2026-07-27): XXXXX

Buyer Comment (2026-07-24): XXXXX

07/27/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

11205596

37708274

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Waterfall.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/28/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

11205596

37708275

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

Waterfall.

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-27): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

11205596

37708276

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $220.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-07-27): XXXXX

07/27/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

[redacted]

10242694

37708277

Compliance

Federal Compliance

RESPA

RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Provided Affiliated Business Arrangement Disclosure is dated XX/XX/XX.

Reviewer Comment (2026-08-25): XXXXX

Buyer Comment (2026-08-24): XXXXX

08/25/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

10242694

37708279

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9,396.52 exceeds tolerance of $8,817.00. $579.52 over legal limit. Insufficient or no cure was provided to the borrower.

Loan Discount Points Fee was disclosed as $8,817.00 on Initial CD and $9,396.52 on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower

Reviewer Comment (2026-08-27): XXXXX

Buyer Comment (2026-08-25): XXXXX

08/27/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

12589284

37708352

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

As per AUS, a signed IRS Form 4506 for the year XXXXX is required for Co-Borrower: XXXXX no later than the note date.

Reviewer Comment (2026-08-20): XXXXX

Buyer Comment (2026-08-19): XXXXX

08/20/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12589284

37708355

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal delivered to the borrower XX/XX/XX is not within 3 days of closing. Waiver was not provided.

Buyer Comment (2026-08-20): XXXXX

Reviewer Comment (2026-08-19): XXXXX

Buyer Comment (2026-08-18): XXXXX

08/20/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12589284

37708357

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failed due to QM failure. This exception will be cleared once all QM-specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-20): XXXXX

08/20/2026

Primary

Purchase

Lender to provide updated ATR/QM status

Safe Harbor QM (APOR)

Yes

[redacted]

12589284

37708358

Compliance

Federal Compliance

ATR/QM Defect

Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay.

QM failed due to insufficient income documentation. This exception will be cleared once all QM-specific exceptions have been cured/cleared.

Reviewer Comment (2026-08-20): XXXXX

08/20/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

12589284

37708359

Compliance

Federal Compliance

TRID Defect

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

Loan Application date XX/XX/XX and the Initial Loan Estimate was provided XX/XX/XX which is not within three (3) business days of application.

Reviewer Comment (2026-08-19): XXXXX

Buyer Comment (2026-08-18): XXXXX

08/19/2026

Primary

Purchase

No Defined Cure

Safe Harbor QM (APOR)

[redacted]

17926065

37708365

Credit

Credit Documentation

Credit

No evidence of fraud report in file

Fraud report is missing from file.

Reviewer Comment (2026-09-02): XXXXX

Buyer Comment (2026-08-31): XXXXX

09/02/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

17926065

37708367

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal delivered to borrower within 3 days of closing was not provided. Waiver was not provided.

Buyer Comment (2026-09-02): XXXXX

Reviewer Comment (2026-09-02): XXXXX

Buyer Comment (2026-08-31): XXXXX

09/02/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16193354

37708380

Compliance

Federal Compliance

Missing Non-Required Data

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2026-08-27): XXXXX

Buyer Comment (2026-08-26): XXXXX

08/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16193354

37708382

Credit

Property - Appraisal

General Appraisal Requirements

Property - Appraisal

Primary Appraisal was completed after the final loan approval.

Appraisal available in file is dated after the Note date.

Reviewer Comment (2026-08-27): XXXXX

Buyer Comment (2026-08-26): XXXXX

08/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

16193354

37708383

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

New Exception as a result of document provided. Received appraisal report dated XX/XX/XX. Therefore Provide evidence of appraisal delivery for appraisal report dated XX/XX/XX or Acknowledgement of receipt of appraisal report signed at closing. Exception remains.

Buyer Comment (2026-08-28): XXXXX

Reviewer Comment (2026-08-28): XXXXX

Buyer Comment (2026-08-27): XXXXX

08/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18847604

37709249

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

The business or personal tax returns provided are not the most recent. Extension provided in file for filing of XXXXX tax returns.

Buyer Comment (2026-06-30): XXXXX

06/30/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18847604

37709251

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Insurance Verification, Mortgage Statement, and Tax Verification are missing for the property address XXXXX and XXXXX

Reviewer Comment (2026-07-08): XXXXX

Buyer Comment (2026-07-07): XXXXX

Reviewer Comment (2026-07-06): XXXXX

Reviewer Comment (2026-07-01): XXXXX

Buyer Comment (2026-06-30): XXXXX

07/08/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18847604

37709253

Credit

Miscellaneous

Guideline

Credit Exception:

DTI variance

Reviewer Comment (2026-07-28): XXXXX

Buyer Comment (2026-07-24): XXXXX

Reviewer Comment (2026-07-24): XXXXX

Buyer Comment (2026-07-22): XXXXX

07/28/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

18847604

37709254

Credit

Miscellaneous

Guideline

Credit Exception:

DTI data discrepancy

Reviewer Comment (2026-08-21): XXXXX

Reviewer Comment (2026-08-13): XXXXX

Buyer Comment (2026-08-11): XXXXX

Reviewer Comment (2026-08-10): XXXXX

Buyer Comment (2026-08-06): XXXXX

Reviewer Comment (2026-07-31): XXXXX

Buyer Comment (2026-07-29): XXXXX

08/21/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

14894728

37709389

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $18,840.00 exceeds tolerance of $7,850.00. $10,990.00 over legal limit. Insufficient or no cure was provided to the borrower.

Fee increased on Closing Disclosure dated XX/XX/XX, XX/XX/XX, and XX/XX/XX. Change of circumstance in loan file reflects settlement fees changed with no other information on what fee and why it changed.

Reviewer Comment (2026-08-24): XXXXX

Buyer Comment (2026-08-21): XXXXX

08/24/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

15597918

37709422

Credit

Title

Document Error

Title

The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Title policy amount is not provided on preliminary title report.

Reviewer Comment (2026-08-25): XXXXX

Buyer Comment (2026-08-21): XXXXX

08/25/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

15597918

37709424

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

Appraisal Review Fee was last disclosed as $0 on LE but disclosed as $120.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $120.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-08-25): XXXXX

Buyer Comment (2026-08-24): XXXXX

Reviewer Comment (2026-08-24): XXXXX

Buyer Comment (2026-08-21): XXXXX

08/25/2026

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Safe Harbor QM (APOR)

Yes

[redacted]

15393731

37709476

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

The XXXXX checklist was not provided.

Reviewer Comment (2026-08-27): XXXXX

Buyer Comment (2026-08-25): XXXXX

08/27/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19589852

37709587

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Tax and insurance verification not provided for property located at XXXXX.

Reviewer Comment (2026-09-01): XXXXX

Buyer Comment (2026-08-31): XXXXX

Reviewer Comment (2026-08-31): XXXXX

Buyer Comment (2026-08-27): XXXXX

09/01/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

19589852

37709588

Compliance

Loan Package Documentation

Closing / Title

Missing, Incorrect, or Incomplete HUD-1

Missing Final HUD-1

File is missing the final signed/dated and stamped Hud from the sale of the departure residence.

Reviewer Comment (2026-08-31): XXXXX

Buyer Comment (2026-08-28): XXXXX

08/31/2026

Primary

Purchase

Safe Harbor QM (APOR)

[redacted]

13248513

37709593

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $323.65 exceeds tolerance of $319.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-08-26): XXXXX

08/26/2026

Primary

Purchase

Final CD evidences Cure

Safe Harbor QM (APOR)

Yes

Exception Grades
Run Date - 10/5/2026 11:52:29 AM