Exhibit 99.03 Schedule 4
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 4000054465 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2024-12-12 20:57 | 2025-10-15 17:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence
Vendor-01/10/2025 Ready for Review-Document Uploaded. Please see soft pull - Seller-01/09/2025 Open-Borrower 1 Gap Credit Report is Missing Missing gap credit for B1. - Due Diligence Vendor-12/13/2024 |
Ready for Review-Document Uploaded. Please see soft pull -
Seller-01/09/2025 |
Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence
Vendor-01/10/2025 |
LTV is less than guideline maximum - Guidelines allow LTV to
80%. Subject loan LTV is 53.57%. Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 169 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000054465 | D | B | D | A | B | B | A | A | Closed | FCRE1197 | 2024-12-13 06:17 | 2025-02-19 10:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved--Upon further review, finding is not applicable and
waiver is not needed or required. - Due Diligence Vendor-02/19/2025 Counter-The guidelines state waivers are for investment property, however it also states it is for loans with a score < 720. Finding remains. - Due Diligence Vendor-02/03/2025 Ready for Review-Document Uploaded. That guideline you are referring too is again for investment properties, this is a purchase SFR 1U (Detached) 2nd home loan per our guidelines Min. Fico score is 660, since Fico is 713 it is well in range, could you please waive this condition? - Seller-01/30/2025 Counter-Per guidelines 17.1 for Escrow Waivers - Investment REO's or any loan with a score < 720 . Subject has a score of 713 and escrows were waived. Provide a lender exception. - Due Diligence Vendor-01/10/2025 Ready for Review-Document Uploaded. Hello, that guideline you are referring to is for an investment property but since this is a 2nd home could you please waive this condition? - Seller-01/09/2025 Open-Audited FICO of 713 is less than Guideline FICO of 720 Per guidelines 720 credit score required - B1 waived escrow. - Due Diligence Vendor-12/13/2024 |
Ready for Review-Document Uploaded. That guideline you are
referring too is again for investment properties, this is a purchase SFR 1U
(Detached) 2nd home loan per our
guidelines Min. Fico score is 660, since Fico is 713 it is well in range,
could you please waive this condition?
- Seller-01/30/2025 Ready for Review-Document Uploaded. Hello, that guideline you are referring to is for an investment property but since this is a 2nd home could you please waive this condition? - Seller-01/09/2025 |
Resolved--Upon further review, finding is not applicable and
waiver is not needed or required. - Due Diligence Vendor-02/19/2025 |
LTV is less than guideline maximum - Guidelines allow LTV to
80%. Subject loan LTV is 53.57%. Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 169 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000054465 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2024-12-03 17:03 | 2024-12-03 17:03 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/03/2024 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/03/2024 |
LTV is less than guideline maximum - Guidelines allow LTV to
80%. Subject loan LTV is 53.57%. Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 169 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000095441 | C | A | C | A | A | A | C | A | Closed | FPRO0025 | 2025-10-20 21:49 | 2025-11-13 16:35 | Resolved | 1 - Information | C | A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Received confirmation CO detector installed. - Due Diligence Vendor-11/13/2025 Ready for Review-Document Uploaded. CO detector + borrower's LOE - Seller-11/12/2025 Open-Appraiser noted CO Detector was not located at the time of inspection, which is a potential health/safety issue, per Appraisal Addendum (357) - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. CO detector + borrower's
LOE - Seller-11/12/2025 |
Resolved-Received confirmation CO detector installed. - Due Diligence Vendor-11/13/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 807; guidelines required 660 Qualifying DTI below maximum allowed - Qualifying DTI 44.16%; max allowable 49.99% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000095441 | C | A | C | A | A | A | C | A | Closed | FCRE1437 | 2025-10-20 23:28 | 2025-11-10 16:02 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-PCCD provided for XXXX with sales price of XXXX. - Due
Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. PCCD and Final SS for XXXX to show sales price of XXXX - Seller-11/07/2025 Counter-Provide final HUD for XXXX to verify sales price of XXXX. Finding remains - Due Diligence Vendor-11/06/2025 Ready for Review-Both of XXXX and XXXX were concurrently closed purchase transaction. Because it was a purchase transaction in XXXX, the tax was calculated using XXXX For XXXX: XXXX For XXXX: XXXX Please waive this condition. - Seller-11/05/2025 Counter-Review is unable to use preliminary title for tax amounts as homesteaded. Would use 1003 and 1008 considered in UW for each property. - Due Diligence Vendor-11/03/2025 Ready for Review-Could you please clarify what is required to clear this condition? - Seller-10/31/2025 Counter-Removed rental income for XXXX. Review is unable to use preliminary title for tax amounts as homesteaded. Would use 1003 and 1008 considered in UW. - Due Diligence Vendor-10/30/2025 Ready for Review-Document Uploaded. Please review the attached prelims for tax statements part of the condition. And no rental income was used for XXXX property. It was a purchase transaction. - Seller-10/29/2025 Open-Income and Employment Do Not Meet Guidelines Missing Tax Statements for XXXX and XXXX Missing Lease for XXXX at $4K per month Additional findings may apply. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. PCCD and Final SS for XXXX
to show sales price of XXXX - Seller-11/07/2025 Ready for Review-Both of XXXX and XXXX were concurrently closed purchase transaction. Because it was a purchase transaction in XXXX, the tax was calculated using XXXX For XXXX: XXXX For XXXXt: XXXX Please waive this condition. - Seller-11/05/2025 Ready for Review-Could you please clarify what is required to clear this condition? - Seller-10/31/2025 Ready for Review-Document Uploaded. Please review the attached prelims for tax statements part of the condition. And no rental income was used for XXXX property. It was a purchase transaction. - Seller-10/29/2025 |
Resolved-PCCD provided for XXXX with sales price of XXXX. - Due
Diligence Vendor-11/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 807; guidelines required 660 Qualifying DTI below maximum allowed - Qualifying DTI 44.16%; max allowable 49.99% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000095441 | C | A | C | A | A | A | C | A | Closed | FCRE1204 | 2025-10-20 22:58 | 2025-10-23 17:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received XXXX clearance. - Due Diligence
Vendor-10/23/2025 Ready for Review-Document Uploaded. GSA attached - Seller-10/22/2025 Open-Fraud Report Shows Uncleared Alerts Missing evidence of GSA/SAM Reports to clear GSA Fraud Alerts for subject property owner of record and selling agent company. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. GSA attached - Seller-10/22/2025 |
Resolved-Received SAM clearance. - Due Diligence
Vendor-10/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 807; guidelines required 660 Qualifying DTI below maximum allowed - Qualifying DTI 44.16%; max allowable 49.99% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000097890 | C | A | C | A | A | A | A | A | Closed | FCOM7353 | 2025-10-16 10:44 | 2025-10-24 17:20 | Resolved | 1 - Information | C | A | Credit | Borrower | Clarification of Application Date | Resolved-Upon further review, no further documentation is
needed or required. Per documentation in file application date is XXXX. - Due
Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. please see attached. ITP and ILE is issued on the same date. - Seller-10/23/2025 Open--Initial Application is dated XXXX. Initial LE is dated prior to loan application as XXXX. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-10/16/2025 |
Ready for Review-Document Uploaded. please see attached. ITP
and ILE is issued on the same date. - Seller-10/23/2025 |
Resolved-Upon further review, no further documentation is
needed or required. Per documentation in file application date is XXXX. - Due
Diligence Vendor-10/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - 803 Qualifying FICO score is at least 20 points above minimum for
program 660 Qualifying DTI below maximum allowed - 14.54% Qualifying DTI below maximum allowed 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000093699 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000103639 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000112803 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-01-16 13:55 | 2026-02-03 12:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Service provider list showing title
companies are not affiliated. Finding
Resolved. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/02/2026 |
Resolved-----Received Service provider list showing title
companies are not affiliated. Finding
Resolved. - Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 779 Required is 700 Borrower has
779 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 6.2 Required is 49.99 Borrower has 6.2 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000113430 | C | A | C | A | A | A | A | A | Closed | FCRE0197 | 2026-02-06 18:45 | 2026-02-12 09:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-04/02/2026
Ready for Review-Document Uploaded. - Seller-02/10/2026 Open-The Final SELLER CD/HUD is missing. Missing Final Seller CD/HUD - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/10/2026 |
Resolved-Received Seller CD. - Due Diligence
Vendor-04/02/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
65.71 Required is 80 Borrower has 65.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 Required is 660 Borrower has 800 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000119387 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-03-02 09:55 | 2026-03-05 15:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/05/2026
Ready for Review-Document Uploaded. Uploaded. Soft Pull Credit Report. - Seller-03/04/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. Uploaded. Soft Pull Credit
Report. - Seller-03/04/2026 |
Resolved-Received Gap Report. - Due Diligence
Vendor-03/05/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.38 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000119387 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-02-27 11:44 | 2026-02-27 11:44 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-02/27/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.38 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000123094 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000123424 | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2026-04-27 21:00 | 2026-05-12 11:14 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Adequate CTC documented. The Final Reviewed QM Status
is now acceptable. - Due Diligence Vendor-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing most recent 1 month bank statement reflecting minimum balance of XXXX as stated on final 1003. Per PCCD XXXX deposit received along with EMD of $31.8K however, bank statement in file does not reflect adequate balance to source the deposits wired to closing. - Due Diligence Vendor-04/28/2026 |
Resolved-Adequate CTC documented. The Final Reviewed QM Status
is now acceptable. - Due Diligence Vendor-05/12/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
24.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000123424 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-04-27 20:49 | 2026-05-12 11:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Neither deposit is clearly identified as originating
from a financing firm or new loan proceeds (both debits are listed as
'Deposit' on bank stmts) - sourcing not required per section 11.1 of G/L. -
Due Diligence Vendor-05/12/2026 Counter-As both deposits are listed as "Deposit" review is unable to confirm meets guidelines 11 and 11.1. Source to confirm no new liability and assets are from XXXX Account - Due Diligence Vendor-05/06/2026 Ready for Review-As per our UW, our approved guidelines do not require the source of large deposits. Based on this, we kindly request to clear this condition. - Seller-05/05/2026 Counter-Received March statement and printout. Missing source of 2 deposits: $XXXXX and $XXXXXon XXXX as unable to confirm meets guideline 11 and 11.1 - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. please see the attached 1 month bank statement and the souce of emd of $XXXX - Seller-04/29/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Missing most recent 1 month bank statement reflecting minimum balance of $791,064 from XXXX stated on final 1003. Borr bank statement in file from XXXX XXXX XXXX balance $XXXXX. Per PCCD XXXX deposit received with copy of receipt/transfer wire from XXXX XXXX in file. The EMD of $XXX receipt in file however, source of funds not documented. - Due Diligence Vendor-04/28/2026 |
Ready for Review-As per our UW, our approved guidelines do not
require the source of large deposits. Based on this, we kindly request to
clear this condition. - Seller-05/05/2026 Ready for Review-Document Uploaded. please see the attached 1 month bank statement and the souce of emd of $XXXX - Seller-04/29/2026 |
Resolved-Neither deposit is clearly identified as originating
from a financing firm or new loan proceeds (both debits are listed as
'Deposit' on bank stmts) - sourcing not required per section 11.1 of G/L. -
Due Diligence Vendor-05/12/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
24.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000122262 | C | A | C | A | A | A | A | A | Closed | FCRE1509 | 2026-04-13 09:06 | 2026-04-20 09:49 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, the prepay was entered
incorrectly and has been updated. - Due Diligence Vendor-04/20/2026 Ready for Review-Clear Request_Email: ISSUES EXIST ON THE NOTE DOCUMENT (XXXX) - Seller-04/17/2026 Counter-Per the Note the PPP is 12-month period exceeds 20% of the original Principal balance which calculates to XXXX. Finding remains. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Hello, We are formally requesting a clearance for the condition regarding the discrepancy between the Prepayment Penalty (PPP) on the Final Closing Disclosure (CD) and the PPP Note Addendum. The condition states that the PPP Max amount of XXXX on the Note Addendum does not correlate with the XXXX on the Final CD. However, upon reviewing the executed legal documents, there is no discrepancy. The calculation is as follows: Verification of Figures: Original Loan Amount:XXXX Document Correlation: Final CD (Page 1): Explicitly states the Prepayment Penalty is "As high as XXXX", PPP Note Addendum: Confirms a penalty of 5.000% of the portion prepaid (up to the full principal balance) during the first year. The legal documents and the CD are perfectly aligned at XXXX, please clear this condition. Thank you, - Seller-04/14/2026 Open-There are Issues Present on the Note that must be addressed. -----PPP Max Prepayment Amount of XXXX. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Clear Request_Email: ISSUES EXIST ON THE NOTE
DOCUMENT (XXXX) - Seller-04/17/2026 Ready for Review-Document Uploaded. Hello, We are formally requesting a clearance for the condition regarding the discrepancy between the Prepayment Penalty (PPP) on the Final Closing Disclosure (CD) and the PPP Note Addendum. The condition states that the PPP Max amount of XXXX on the Note Addendum does not correlate with the XXXX on the Final CD. However, upon reviewing the executed legal documents, there is no discrepancy. The calculation is as follows: Verification of Figures: Original Loan Amount: XXXX Document Correlation: Final CD (Page 1): Explicitly states the Prepayment Penalty is "As high as XXXX", PPP Note Addendum: Confirms a penalty of 5.000% of the portion prepaid (up to the full principal balance) during the first year. The legal documents and the CD are perfectly aligned at XXXX, please clear this condition. Thank you, - Seller-04/14/2026 |
Resolved-After further review, the prepay was entered
incorrectly and has been updated. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.29 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 LTV is less than guideline maximum - Required is 80 Borrower has 74.57 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000113359 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-04-28 12:33 | 2026-05-05 11:15 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, file contained certified legal
description attached to security instrument.
- Due Diligence Vendor-05/05/2026 Ready for Review-Clear Request: Email - Seller-05/04/2026 Counter-Please provide complete Deed of Trust with legal description exhibit A attached within document chain. - Due Diligence Vendor-05/01/2026 Ready for Review-Clear Request: Please find the legal description on page 448 of the attached closing package. - Seller-04/29/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Clear Request: Email - Seller-05/04/2026 Ready for Review-Clear Request: Please find the legal description on page 448 of the attached closing package. - Seller-04/29/2026 |
Resolved-Upon further review, file contained certified legal
description attached to security instrument.
- Due Diligence Vendor-05/05/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.22 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000127133 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000125188 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-04-30 15:25 | 2026-05-07 13:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received acknowledgement that broker paid fee is by
the lender. Finding Resolved. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. I will attach the existing Loan Estimate (LLE) and the Post CD for your review. Since the Loan Estimate(LLE) is an initial disclosure provided only to the borrower, the loan origination fee is not disclosed in Section A when it is lender-paid. A lender-paid loan origination fee is first reflected starting from the Initial CD, and in this file it has been clearly disclosed as lender-paid (L) in the amount of $XXXXX on the Initial CD, Final CD, and Post CD. Could you please re-review the file and assist in clearing this condition? I would greatly appreciate your help. - Seller-05/05/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. I will attach the existing
Loan Estimate (LLE) and the Post CD for your review. Since the Loan Estimate(LLE) is an initial disclosure provided only to the borrower, the loan origination fee is not disclosed in Section A when it is lender-paid. A lender-paid loan origination fee is first reflected starting from the Initial CD, and in this file it has been clearly disclosed as lender-paid (L) in the amount of $XXXX on the Initial CD, Final CD, and Post CD. Could you please re-review the file and assist in clearing this condition? I would greatly appreciate your help. - Seller-05/05/2026 |
Resolved-Received acknowledgement that broker paid fee is by
the lender. Finding Resolved. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.06 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000125188 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-04-30 14:48 | 2026-04-30 15:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-04/30/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.06 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000127360 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000124823 | C | B | C | A | C | B | A | A | Closed | FCRE9501 | 2026-05-06 11:54 | 2026-05-13 11:42 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received escrow receipt of gift funds. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Counter-Missing evidence of Gift receipt/wire $XXXXXreceived at closing not documented. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please review attached PCCD shown in the updated 'Costs at Closing' section, the Cash to Close has been revised from a payment due to a $XXXX9 credit 'To Borrower.' Since the borrower is now receiving funds back at closing rather than paying out, the previously identified asset deficiency has been fully resolved. We believe this documentation provides sufficient evidence to clear the asset condition. - Seller-05/08/2026 Open-Total Qualified Assets Post-Close amount is '$XXXX. Assets are Insufficient. Subject 2nd Home Rate-term Refinance. Borr short -$XXXX funds to close. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 Ready for Review-Document Uploaded. Please review attached PCCD shown in the updated 'Costs at Closing' section, the Cash to Close has been revised from a payment due to a $XXXX credit 'To Borrower.' Since the borrower is now receiving funds back at closing rather than paying out, the previously identified asset deficiency has been fully resolved. We believe this documentation provides sufficient evidence to clear the asset condition. - Seller-05/08/2026 |
Resolved-Received escrow receipt of gift funds. - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
34.03 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 16.07 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000124823 | C | B | C | A | C | B | A | A | Closed | FCOM9998 | 2026-05-04 14:52 | 2026-05-08 10:43 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received notification fee was a lender paid
compensation fee. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-05/07/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/04/2026 |
Ready for Review-It's a lender paid broker compensation fee.
Please clear this condition. -
Seller-05/07/2026 |
Resolved-Received notification fee was a lender paid
compensation fee. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
34.03 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 16.07 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000124823 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2026-05-04 12:20 | 2026-05-04 12:20 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
34.03 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 16.07 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000128741 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000129269 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000129514 | C | A | C | A | A | A | A | A | Closed | FCRE1205 | 2026-05-29 20:22 | 2026-06-03 15:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud report. - Due Diligence
Vendor-06/03/2026 Ready for Review-Document Uploaded. - Seller-06/01/2026 Open-OFAC Check Not Completed and/or Cleared for Underwriter. - Due Diligence Vendor-05/30/2026 |
Ready for Review-Document Uploaded. - Seller-06/01/2026 |
Resolved-Received Fraud report. - Due Diligence
Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 769 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000127131 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-15 15:15 | 2026-05-19 15:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation for each. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-Need Mtg St, T&I for REO's that were not listed on Final 1003 new Loan per 1003 with XXXX. (XXXX) . - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-Received PITIA validation for each. - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 706 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.65 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000127131 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2026-05-12 13:41 | 2026-05-19 15:40 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Adjustable Rate Rider - Due Diligence
Vendor-05/19/2026 Ready for Review-Document Uploaded. This was included in the closing pkg. - Seller-05/18/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Adjustable Rate Rider in file - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. This was included in the
closing pkg. - Seller-05/18/2026 |
Resolved-Received Adjustable Rate Rider - Due Diligence
Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 706 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.65 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000126706 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130252 | C | B | A | A | C | B | A | A | Closed | FCOM0014 | 2026-06-12 19:44 | 2026-06-17 12:50 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/17/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. -----Missing evidence of appraisal being received 3 or more days prior to closing - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. - Seller-06/17/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/17/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 820 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130252 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-06-12 14:58 | 2026-06-12 15:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 820 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130284 | D | A | A | A | D | A | A | A | Closed | FCOM1270 | 2026-06-10 14:45 | 2026-06-15 12:16 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received copy of Initial ARM disclosure dated XXXX.
Finding Resolved. - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. - Seller-06/14/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing ARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. - Seller-06/14/2026 |
Resolved-Received copy of Initial ARM disclosure dated XXXX.
Finding Resolved. - Due Diligence Vendor-06/15/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 771 LTV is less than guideline maximum - Required is 80 Borrower has 51.48 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.96 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130284 | D | A | A | A | D | A | A | A | Closed | FCOM1271 | 2026-06-10 14:46 | 2026-06-15 12:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-Received copy CHARM Booklet. Finding Resolved. - Due
Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. - Seller-06/14/2026 Open-CHARM Booklet is Missing Missing CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. - Seller-06/14/2026 |
Resolved-Received copy CHARM Booklet. Finding Resolved. - Due
Diligence Vendor-06/15/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 771 LTV is less than guideline maximum - Required is 80 Borrower has 51.48 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.96 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138754 | C | B | C | B | A | A | A | A | Closed | FCRE3599 | 2026-05-18 12:17 | 2026-05-26 17:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow exposure exceeding
guidelines . Non-material waiver applied with comp factors. Deemed
non-material due to experienced investor. - Due Diligence Vendor-05/18/2026
Open-Exposure over 10 loans and over $7.5M. Lender exception in file (469)-Exposure over 10 loan and over 7.5MM. Per list of REO XXXX. - Due Diligence Vendor-05/18/2026 |
Waived-Originator exception granted to allow exposure exceeding
guidelines . Non-material waiver applied with comp factors. Deemed
non-material due to experienced investor. - Due Diligence
Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 738 LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.8 Borrower has 1.096 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | ||
| XXXX | XXXX | 4000138754 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-05-15 14:52 | 2026-05-19 17:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Settlement state for non-subject cash out.
Audited Reserves of 16.15 month(s) are greater than or equal to Guideline
Required Reserves of 3 month(s) - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. borrower closed another cash out loan the same time... see enclosed settlement statement - Seller-05/18/2026 Open-Audited Reserves of 1.73 month(s) are less than Guideline Required Reserves of 3 month(s) R/T refinance at 70% LTV-prior note was balloon note so monthly payments are N/A and the 10% payment reduction rule cannot be applied - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. borrower closed another
cash out loan the same time... see enclosed settlement statement - Seller-05/18/2026 |
Resolved-Received Settlement state for non-subject cash out.
Audited Reserves of 16.15 month(s) are greater than or equal to Guideline
Required Reserves of 3 month(s) - Due Diligence Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 738 LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.8 Borrower has 1.096 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000128742 | C | A | C | A | A | A | A | A | Closed | FCRE1205 | 2026-05-15 07:18 | 2026-06-03 16:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Fraud report reflects all interested parties and OFAC
is clear. - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see attached - Seller-06/02/2026 Open-OFAC Check Not Completed and/or Cleared for the borrower's business. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. Please see attached -
Seller-06/02/2026 |
Resolved-Fraud report reflects all interested parties and OFAC
is clear. - Due Diligence Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 65.14 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.38 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000128742 | C | A | C | A | A | A | A | A | Closed | FCRE6763 | 2026-05-15 07:30 | 2026-06-01 17:07 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received XXXX verification of business phone number. -
Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/29/2026 Open-Income documentation does not meet guidelines. The Business phone number verification via XXXX search, XXXX, or internet was not provided. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. Please see attached -
Seller-05/29/2026 |
Resolved-Received XXXX verification of business phone number. -
Due Diligence Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 65.14 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.38 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000129501 | D | B | D | A | B | B | A | A | Closed | FCRE6666 | 2026-05-21 16:27 | 2026-05-27 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received 2 appraisals and desk review. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2026 Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2026 |
Resolved-Received 2 appraisals and desk review. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 34.68 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000129501 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2026-05-21 11:35 | 2026-05-26 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received management acknowledgment of fraud score. -
Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2026 Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX: XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2026 |
Resolved-Received management acknowledgment of fraud score. -
Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 34.68 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000129501 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-19 14:00 | 2026-05-19 21:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 34.68 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130247 | D | A | D | A | A | A | A | A | Closed | FCRE1295 | 2026-05-18 18:04 | 2026-05-21 12:35 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Income 4 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-05/21/2026 Open-Income 4 Months Income Verified is Missing Missing retirement award statement for B1 to support the amount used in qualifying - Due Diligence Vendor-05/18/2026 |
Resolved-Income 4 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 36.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000130247 | D | A | D | A | A | A | A | A | Closed | FCRE1339 | 2026-05-18 18:04 | 2026-05-21 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Per lender, excluded B2's income. - Due Diligence
Vendor-05/21/2026 Ready for Review-Document Uploaded. Please see the updated 1003 and 1008. Retirement income has been removed. - Seller-05/19/2026 Open-Borrower 1 Personal Bank Statements Missing Missing one additional months statement for B1's retirement income (guidelines require 2 months) - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. Please see the updated 1003
and 1008. Retirement income has been removed. - Seller-05/19/2026 |
Resolved-Per lender, excluded B2's income. - Due Diligence
Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 36.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130247 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-18 17:18 | 2026-05-21 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence
Vendor-05/21/2026 Ready for Review-Please see the insurance information. The property is impounded with the mortgage and is SFR so no HOA needed - Seller-05/19/2026 Open-Missing information used for taxes, insurance, and/or HOA for REO 3B. Documentation in file does not reflect total used to qualify on final 1003. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Please see the insurance information. The
property is impounded with the mortgage and is SFR so no HOA needed -
Seller-05/19/2026 |
Resolved-Received HOA verification. - Due Diligence
Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 36.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000129503 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130916 | C | B | C | A | B | B | C | A | Closed | FCRE1198 | 2026-05-21 11:22 | 2026-07-24 11:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Same name Affidavit and updated XXXX account.
- Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Hello Team, Please See AKA AFFIDAVIT. - Seller-07/23/2026 Counter-Revised 1003 provided, Please provide the executed AKA Statement. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please see the post 1003. - Seller-06/05/2026 Counter-Received additional names reflecting on credit report. Final 1003 and executed AKA statement do not reflect the aka for the borrower. Please provide updated aka and final 1003 reflecting alternate names for consideration of XXXX account. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Hello Team, the XXXX account belonged to the borrower, as you can see on the credit report, XXXX is his AKA - Seller-06/02/2026 Counter-Received originators asset reconcilliation. Review did not received XXXX statements. XXXX statements in file reflect a different owner name than our borrower. - Due Diligence Vendor-05/29/2026 Ready for Review-Per our verified assets, XXXX statement $XXXXX + gift $XXXX + XXXX $XXXX = $XXXXX Cash to close is $133,881.78. Borrower should have enough reserves to make payments. - Seller-05/27/2026 Counter-Gift Letter for $173,000.00 provided, however the was included in the reviewed assets. The Gift was deposited into XXXX on XXXX. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the gift letter. - Seller-05/21/2026 Open-Audited Reserves of 0.24 month(s) are less than Guideline Required Reserves of 4 month(s) Audited Reserves of 0.24 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Hello Team, Please See AKA
AFFIDAVIT. - Seller-07/23/2026 Ready for Review-Document Uploaded. Please see the post 1003. - Seller-06/05/2026 Ready for Review-Document Uploaded. Hello Team, the XXXX account belonged to the borrower, as you can see on the credit report, XXXX is his AKA - Seller-06/02/2026 Ready for Review-Per our verified assets, XXXX statement $XXXX+ gift $XXX+ XXXX $XX= $XXX Cash to close is $133,881.78. Borrower should have enough reserves to make payments. - Seller-05/27/2026 Ready for Review-Document Uploaded. Please see the gift letter. - Seller-05/21/2026 |
Resolved-Received Same name Affidavit and updated XXXX account.
- Due Diligence Vendor-07/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 748 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130916 | C | B | C | A | B | B | C | A | Closed | FPRO1257 | 2026-05-28 13:35 | 2026-05-28 13:40 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-received the Desk review supporting the original
appraised value. - Due Diligence Vendor-05/28/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-05/28/2026 |
Resolved-received the Desk review supporting the original
appraised value. - Due Diligence Vendor-05/28/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 748 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000130916 | C | B | C | A | B | B | C | A | Closed | FCRE8611 | 2026-05-21 13:28 | 2026-05-26 11:06 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence
Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the XXXX search result - Seller-05/21/2026 Open-Missing verification of the business phone number via XXXX Search, XXXX or internet - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the XXXX search
result - Seller-05/21/2026 |
Resolved-Received Internet Search. - Due Diligence
Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 748 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130916 | C | B | C | A | B | B | C | A | Closed | FCOM5135 | 2026-05-19 12:25 | 2026-05-19 12:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/19/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 748 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130946 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130029 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130264 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130909 | C | A | A | A | C | A | A | A | Closed | finding-3352 | 2026-05-19 13:04 | 2026-05-21 14:26 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-05/21/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/19/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 20.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 LTV is less than guideline maximum - Required is 80 Borrower has 27.4 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000130269 | C | B | C | A | B | B | A | A | Closed | FCRE1506 | 2026-05-21 16:17 | 2026-05-27 13:21 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received payment history. - Due Diligence
Vendor-05/27/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX rental pay history. Rebuttal: See page 95 of rental pay history in the closing package. - Seller-05/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Uploaded. See XXXX rental
pay history. Rebuttal: See page 95 of rental pay history in the closing
package. - Seller-05/22/2026 |
Resolved-Received payment history. - Due Diligence
Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 40.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 758 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130269 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2026-05-21 15:56 | 2026-05-27 13:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Payment History. - Due Diligence
Vendor-05/27/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX rental pay history. Rebuttal: See page 95 of rental pay history in the closing package. - Seller-05/22/2026 Open-Housing History Does Not Meet Guideline Requirements Missing verification of Borr rental pay-history. Final 1003 indicated Borr renting current residence at time of application. Per guides XXXX; Rental history must be evidenced by canceled checks or a Verification of Rent (VOR) covering most recent 12mos. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Uploaded. See XXXX rental
pay history. Rebuttal: See page 95 of rental pay history in the closing
package. - Seller-05/22/2026 |
Resolved-Received Payment History. - Due Diligence
Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 40.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 758 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130269 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-20 12:16 | 2026-05-20 13:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 40.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 758 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130266 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-05-21 16:25 | 2026-05-26 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC verification. - Due Diligence
Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the CTEC search result - Seller-05/21/2026 Open-Borrower 1 CPA Letter Missing . CPA letter provided is not supported due to : Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer. PTIN are not allowed. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Please see the CTEC search
result - Seller-05/21/2026 |
Resolved-Received CTEC verification. - Due Diligence
Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 764 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.55 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130926 | C | B | A | A | C | B | A | A | Closed | FCOM0014 | 2026-05-26 17:45 | 2026-05-29 14:17 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/28/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-05/28/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130926 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-22 11:09 | 2026-05-22 11:09 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/22/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 26.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130022 | C | B | C | A | C | B | A | A | Closed | FCRE1203 | 2026-05-26 15:26 | 2026-05-29 12:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Received management acknowledgment of fraud score -
Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded. See Fraud Guard letter approval. Rebuttal - see closing package on page 73 for XXXX letter approval. - Seller-05/27/2026 Open-Potential Fraud Reflected on Fraud Report Fraud Risk Score >800, need admin clearance. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Uploaded. See XXXX letter
approval. Rebuttal - see closing package on page 73 for XXXX letter
approval. - Seller-05/27/2026 |
Resolved-Received management acknowledgment of fraud score -
Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.22 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130022 | C | B | C | A | C | B | A | A | Closed | FCRE9501 | 2026-05-26 16:22 | 2026-05-28 16:25 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/27/2026 Open-Total Qualified Assets Post-Close amount is '$XXXXX. Assets are Insufficient. Asset are insufficient post closing. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. -
Seller-05/27/2026 |
Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.22 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130022 | C | B | C | A | C | B | A | A | Closed | finding-3625 | 2026-05-21 13:13 | 2026-05-28 12:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX correcting payee in Section B.
Finding Resolved. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/27/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Credit Report Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. -
Seller-05/27/2026 |
Resolved-Received PCCD XXXX correcting payee in Section B.
Finding Resolved. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.22 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130022 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2026-05-21 12:47 | 2026-05-21 12:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.22 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130914 | D | A | A | A | D | A | A | A | Closed | FCOM1270 | 2026-05-21 14:17 | 2026-05-28 11:58 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received Initial ARM Disclosure. Finding Resolved -
Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-Received Initial ARM Disclosure. Finding Resolved -
Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 19.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 LTV is less than guideline maximum - Required is 80 Borrower has 33.08 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130914 | D | A | A | A | D | A | A | A | Closed | FCOM1271 | 2026-05-21 14:17 | 2026-05-28 11:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-Received CHARM Booklet. Finding Resolved. - Due
Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Open-CHARM Booklet is Missing -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 |
Resolved-Received CHARM Booklet. Finding Resolved. - Due
Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 19.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 LTV is less than guideline maximum - Required is 80 Borrower has 33.08 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130914 | D | A | A | A | D | A | A | A | Closed | finding-3352 | 2026-05-21 15:46 | 2026-05-27 09:47 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-05/26/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/21/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 19.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 LTV is less than guideline maximum - Required is 80 Borrower has 33.08 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000130007 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-22 11:48 | 2026-06-05 10:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/22/2026 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 33.65 LTV is less than guideline maximum - Required is 80 Borrower has 56.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130007 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2026-05-22 12:10 | 2026-05-28 12:47 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-05/28/2026 Ready for Review-Document Uploaded. Please See PCCD for the Disbursement date - Seller-05/27/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Please See PCCD for the
Disbursement date - Seller-05/27/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 33.65 LTV is less than guideline maximum - Required is 80 Borrower has 56.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130033 | C | B | A | A | C | B | A | A | Closed | FCOM0014 | 2026-05-26 12:39 | 2026-05-27 11:28 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent XXXX. Finding
Resolved. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Uploaded. See Proof of Delivery. - Seller-05/27/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Uploaded. See Proof of
Delivery. - Seller-05/27/2026 |
Resolved-Received notification of value sent XXXX. Finding
Resolved. - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 31.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130033 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-22 09:20 | 2026-05-22 10:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/22/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 31.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130014 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-05-26 16:50 | 2026-06-03 11:59 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/03/2026 Ready for Review-Document Uploaded. Hello Team, Please find the attached PCCD. There was no increase in the total of title fees+recording fees, compared to the Locked LE. In fact, it has decreased. Please clear this condition. - Seller-06/02/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees $XXX Notary Fee, $XXX POA Drafting Fee, $XX Recording Power of Attorney increased by $XXXwithout a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. Please provide coc for increases. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Hello Team, Please find the attached PCCD. There was no increase in the total of title fees+recording fees, compared to the Locked LE. In fact, it has decreased. Please clear this condition. - Seller-06/02/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/03/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.78 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130275 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2026-05-26 15:48 | 2026-05-29 15:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC license validation. - Due Diligence
Vendor-05/29/2026 Ready for Review-Document Uploaded. Please see the search results - Seller-05/27/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see the search
results - Seller-05/27/2026 |
Resolved-Received CTEC license validation. - Due Diligence
Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 741 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.21 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130275 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-22 10:21 | 2026-05-22 11:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/22/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/22/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 741 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.21 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130016 | D | B | D | A | D | B | A | A | Closed | FCRE7497 | 2026-06-02 12:29 | 2026-06-04 15:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received RE Taxes validation. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. - Seller-06/03/2026 Open-*NEW* Received corrected final 1003. Missing validation of re taxes for XXXX and confirmation vacant land only. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. - Seller-06/03/2026 |
Resolved-Received RE Taxes validation. - Due Diligence Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 771 Months Reserves exceed minimum required - Reserves: 16 Min 4 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.9 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130016 | D | B | D | A | D | B | A | A | Closed | FCOM1233 | 2026-05-28 13:12 | 2026-06-02 12:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-06/02/2026 Ready for Review-Please see attached - Seller-05/29/2026 Open-The Final 1003 is Incomplete Final Loan application is incomplete in that it does not include two an undisclosed properties. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Please see attached - Seller-05/29/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-06/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 771 Months Reserves exceed minimum required - Reserves: 16 Min 4 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.9 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130016 | D | B | D | A | D | B | A | A | Closed | FCOM5135 | 2026-05-26 13:41 | 2026-05-26 17:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/26/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 771 Months Reserves exceed minimum required - Reserves: 16 Min 4 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.9 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000128763 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130943 | C | B | C | A | B | B | A | A | Closed | FCOM7353 | 2026-05-26 10:00 | 2026-06-05 14:53 | Resolved | 1 - Information | C | A | Credit | Borrower | Clarification of Application Date | Resolved-Received Dated 1003
- Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see the initial application. The date is signed on page 6. - Seller-06/03/2026 Open------Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please see the initial
application. The date is signed on page 6. - Seller-06/03/2026 |
Resolved-Received Dated 1003
- Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 782 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.26 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130943 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-26 09:17 | 2026-05-26 10:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/26/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-05/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 782 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.26 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130273 | C | B | A | A | C | B | A | A | Closed | finding-3625 | 2026-05-26 10:09 | 2026-06-09 11:12 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX correcting payee in Section B.
Finding Resolved. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please post CD - Seller-06/08/2026 Counter-Received copy of appraisal, not a PCCD. Finding Remains. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please see the post cd - Seller-06/04/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ------(Credit Report Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Please post CD -
Seller-06/08/2026 Ready for Review-Document Uploaded. Please see the post cd - Seller-06/04/2026 |
Resolved-Received PCCD XXXX correcting payee in Section B.
Finding Resolved. - Due Diligence Vendor-06/09/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 29.54 LTV is less than guideline maximum - Required is 80 Borrower has 53.85 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130273 | C | B | A | A | C | B | A | A | Closed | FCOM0014 | 2026-05-27 16:20 | 2026-06-09 10:59 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Hello, please see the right to receive an appraisal Deislcosures - Seller-06/08/2026 Counter-ROV is not acceptable document to fix finding. Please provide Certified Report Delivery, and/or Notice of Right to Receive copy of written appraisal. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please see the documents - Seller-06/04/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. Hello, please see the right
to receive an appraisal Deislcosures - Seller-06/08/2026 Ready for Review-Document Uploaded. Please see the documents - Seller-06/04/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/09/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 29.54 LTV is less than guideline maximum - Required is 80 Borrower has 53.85 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130273 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-26 09:28 | 2026-05-26 09:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/26/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 29.54 LTV is less than guideline maximum - Required is 80 Borrower has 53.85 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130270 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-05-27 07:32 | 2026-06-05 12:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received copy of SPL listing XXXX as a non-Affiliate.
Finding Resolved. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see the list - Seller-06/04/2026 Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. Statute of Limitations 3 years - Expiration Date is XXXX - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. Please see the list -
Seller-06/04/2026 |
Resolved-Received copy of SPL listing XXXX Title as a
non-Affiliate. Finding Resolved. - Due Diligence Vendor-06/05/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 44.43 LTV is less than guideline maximum - Required is 80 Borrower has 70.31 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130248 | D | B | D | A | C | B | A | A | Closed | FCOM0014 | 2026-05-28 11:32 | 2026-06-05 13:15 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Hello, I attach the evidence of appraisal. Please review it and clear this condition. - Seller-06/04/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of Appraisal (completed XXXX) being received 3 or more days prior to closing (Note XXXX) was not met. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Hello, I attach the evidence of appraisal. Please review it and clear this condition. - Seller-06/04/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/05/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.83 LTV is less than guideline maximum - Required is 75 Borrower has 57.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130248 | D | B | D | A | C | B | A | A | Closed | FCOM1221 | 2026-05-26 11:57 | 2026-06-01 15:42 | Resolved | 1 - Information | C | A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust with Legal Description. - Due
Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Hello, I attach the full DOT document including page 1. Thank you, - Seller-05/28/2026 Open-The Deed of Trust is Incomplete -----Page 1 of the DOT is missing from the DOT. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Hello, I attach the full DOT document including page 1. Thank you, - Seller-05/28/2026 |
Resolved-Received Deed of Trust with Legal Description. - Due
Diligence Vendor-06/01/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.83 LTV is less than guideline maximum - Required is 75 Borrower has 57.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130248 | D | B | D | A | C | B | A | A | Closed | FCOM9998 | 2026-05-26 14:05 | 2026-06-01 10:11 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received acknowledgement of Lender paid compensation
fee. Finding Resolved. - Due Diligence Vendor-06/01/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-05/28/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/26/2026 |
Ready for Review-It's a lender paid broker compensation fee.
Please clear this condition. -
Seller-05/28/2026 |
Resolved-Received acknowledgement of Lender paid compensation
fee. Finding Resolved. - Due Diligence Vendor-06/01/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.83 LTV is less than guideline maximum - Required is 75 Borrower has 57.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130248 | D | B | D | A | C | B | A | A | Closed | FCRE1325 | 2026-05-28 10:53 | 2026-05-29 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Validation of CTEC license # for tax preparer XXXX now
in file. - Due Diligence Vendor-05/29/2026 Ready for Review-Clear Request: Email - Seller-05/29/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Clear Request: Email - Seller-05/29/2026 |
Resolved-Validation of CTEC license # for tax preparer XXXX now
in file. - Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.83 LTV is less than guideline maximum - Required is 75 Borrower has 57.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130248 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-05-26 12:15 | 2026-05-26 12:15 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-05/26/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings - Due Diligence
Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.83 LTV is less than guideline maximum - Required is 75 Borrower has 57.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130253 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2026-05-29 15:00 | 2026-06-03 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose and occupancy affidavit. -
Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Seller-06/02/2026 Open-The Business Purpose Affidavit Disclosure is Missing Missing page 2 (the signature page) of the Business Purpose & Occupancy Affidavit - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/02/2026 |
Resolved-Received business purpose and occupancy affidavit. -
Due Diligence Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 809 LTV is less than guideline maximum - Required is 75 Borrower has 34.48 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130933 | C | A | A | A | C | A | A | A | Closed | FCOM0014 | 2026-05-28 16:28 | 2026-06-05 12:32 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/05/2026 Ready for Review-Please see the documents - Seller-06/04/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of Appraisal (completed XXXX) being received 3 or more days prior to closing (Note XXXX) was not met. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Please see the documents -
Seller-06/04/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/05/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.81 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 806 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130925 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-05-28 13:33 | 2026-06-08 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval. - Due Diligence
Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the letter. - Seller-06/04/2026 Open-Third Party Fraud Report Partially Provided. Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Please see the letter. -
Seller-06/04/2026 |
Resolved-Received Management approval. - Due Diligence
Vendor-06/08/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.024 Per
guides DSCR 9/1/2025, minimum DSCR 0 Required is 0 Borrower has 1.024 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 792 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131487 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000131493 | D | A | C | A | D | A | A | A | Closed | FCRE1440 | 2026-05-29 14:07 | 2026-06-08 12:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence
Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the letter - Seller-06/04/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from landlord/owner of current residence for borrower. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. Please see the letter -
Seller-06/04/2026 |
Resolved-Received Rent Free Letter. - Due Diligence
Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 776 LTV is less than guideline maximum - Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.97 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131493 | D | A | C | A | D | A | A | A | Closed | finding-3625 | 2026-05-28 10:55 | 2026-06-05 12:42 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX correcting payee in Section B.
Finding Resolved. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see pos cd - Seller-06/04/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- MERS Fee in section B is payable to Lender however, fees paid to Lender must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Please see pos cd -
Seller-06/04/2026 |
Resolved-Received PCCD XXXX correcting payee in Section B.
Finding Resolved. - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 776 LTV is less than guideline maximum - Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.97 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131493 | D | A | C | A | D | A | A | A | Closed | FCOM1231 | 2026-05-28 13:30 | 2026-06-05 12:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due
Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see the initial 1003 - Seller-06/04/2026 Open-The Initial 1003 is Missing - Provide copy of initial application dated on or prior to LE issued XXXX. Loan Details report has an application date of XXXX. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Please see the initial 1003
- Seller-06/04/2026 |
Resolved-Received Initial 1003. Finding Resolved. - Due
Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 776 LTV is less than guideline maximum - Required is 80 Borrower has 50 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.97 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130923 | C | B | A | A | C | B | A | A | Closed | FCOM5814 | 2026-05-27 16:03 | 2026-06-01 14:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received notification that origination was a lender
paid compensation fee. Finding Resolved. - Due Diligence Vendor-06/01/2026
Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-05/31/2026 Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/27/2026 |
Ready for Review-It's a lender paid broker compensation fee.
Please clear this condition. - Seller-05/31/2026 |
Resolved-Received notification that origination was a lender
paid compensation fee. Finding Resolved. - Due Diligence Vendor-06/01/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.13 Required is 49.99 Borrower has 39.13 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 753 Required is 720 Borrower has 753 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130923 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-27 15:31 | 2026-05-27 15:42 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Affiliation listed as No on SPL. Originator waiver applied to non-material finding - Due Diligence Vendor-05/27/2026 | Waived-Required Affiliated Business Disclosure Missing
Affiliation listed as No on SPL. Originator waiver applied to non-material
finding - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.13 Required is 49.99 Borrower has 39.13 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 753 Required is 720 Borrower has 753 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131496 | C | B | A | A | C | B | A | A | Closed | finding-3635 | 2026-05-27 14:10 | 2026-06-04 11:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC's for increase in fees. Findings
Resolved. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Our apologies for missing the documents. Please see attached - Seller-06/03/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXX) exceed the comparable charges ($XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees Electronic Recording Fee, Notary Fee, Courier Fee, Endorsement Fee and Settlement fee) increased by $XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. Our apologies for missing
the documents. Please see attached - Seller-06/03/2026 |
Resolved-Received COC's for increase in fees. Findings
Resolved. - Due Diligence Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 773 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.12 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131496 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-27 13:42 | 2026-05-28 05:33 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 773 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.12 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130937 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000131499 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-05-27 14:06 | 2026-06-01 14:11 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received notification that origination fee was a
lender paid compensation fee. Finding Resolved. - Due Diligence
Vendor-06/01/2026 Ready for Review-it's a lender-paid broker compensation fee. Please remove this condition. - Seller-05/31/2026 Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/27/2026 |
Ready for Review-it's a lender-paid broker compensation fee.
Please remove this condition. - Seller-05/31/2026 |
Resolved-Received notification that origination fee was a
lender paid compensation fee. Finding Resolved. - Due Diligence
Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 741 is higher than the required 660 Required is 660
Borrower has 741 LTV is less than guideline maximum - LTV 37.04% is lower than maximum 80% Required is 80 Borrower has 37.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131499 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-27 13:46 | 2026-05-28 07:57 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 741 is higher than the required 660 Required is 660
Borrower has 741 LTV is less than guideline maximum - LTV 37.04% is lower than maximum 80% Required is 80 Borrower has 37.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000132961 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130936 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-05-29 14:45 | 2026-06-08 08:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Received copy of SPL. Finding Resolved. - Due
Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the service provider list - Seller-06/05/2026 Open------Missing Service Provider List. Please provide. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. Please see the service
provider list - Seller-06/05/2026 |
Resolved-Received copy of SPL. Finding Resolved. - Due
Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.48 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130936 | D | A | A | A | D | A | A | A | Closed | finding-3625 | 2026-05-29 14:36 | 2026-06-08 08:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX correcting payee in Sections B.
Finding Resolved. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-06/05/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Flood Cert, Mers Fee, and Tax Service Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. Please see the PCCD -
Seller-06/05/2026 |
Resolved-Received PCCD XXXX correcting payee in Sections B.
Finding Resolved. - Due Diligence Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.48 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130936 | D | A | A | A | D | A | A | A | Closed | finding-3617 | 2026-05-29 14:36 | 2026-06-08 08:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the pccd - Seller-06/05/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. Please see the pccd -
Seller-06/05/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 39.48 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000132963 | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-06-01 06:42 | 2026-06-05 11:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal confirming sufficient smoke
detectors present. - Due Diligence
Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/03/2026 Ready for Review-Uploaded. See Appraisal Report Supplemental Addendum. - Seller-06/03/2026 Open-Property Issues are identified for the property Missing evidence subject property contains: smoke alarms as required by XXXX state fire safety laws and legislation effective XXXX. - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. - Seller-06/03/2026 Ready for Review-Uploaded. See Appraisal Report Supplemental Addendum. - Seller-06/03/2026 |
Resolved-Received revised appraisal confirming sufficient smoke
detectors present. - Due Diligence
Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 803 LTV is less than guideline maximum - Required is 75 Borrower has 44.78 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.86 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000132441 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-30 15:13 | 2026-06-02 14:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received savings statement confirming sufficient
reserves. - Due Diligence
Vendor-06/02/2026 Ready for Review-Document Uploaded. The borrower has enough assets to cover the reserve. Please clear this condition. - Seller-06/01/2026 Open-Audited Reserves of 1.32 month(s) are less than Guideline Required Reserves of 9 month(s) .Provide sufficient asset to support total reserves require. - Due Diligence Vendor-05/30/2026 |
Ready for Review-Document Uploaded. The borrower has enough
assets to cover the reserve. Please clear this condition. - Seller-06/01/2026 |
Resolved-Received savings statement confirming sufficient
reserves. - Due Diligence
Vendor-06/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 814 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.88 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131490 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000132960 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-01 08:40 | 2026-06-01 11:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/01/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/01/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 33.51 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000132965 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-02 14:02 | 2026-06-17 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received XXXX -
Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see the document - Seller-06/16/2026 Counter-Final Settlement Statement provided, it appears we are missing the XXXX funds. Addition findings may apply - Due Diligence Vendor-06/09/2026 Ready for Review-Please see the FSS - Seller-06/05/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 9 month(s) Shorts the required 9 months of reserves that are required. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Please see the document -
Seller-06/16/2026 Ready for Review-Please see the FSS - Seller-06/05/2026 |
Resolved-Received XXXX
- Due Diligence Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 768 is higher than the required 700 Required is 700
Borrower has 768 Qualifying DTI below maximum allowed - DTI 28.42% is lower than allowable 49.99% Required is 49.99 Borrower has 33.58 LTV is less than guideline maximum - LTV 71.71% is lower than maximum 80% Required is 80 Borrower has 71.71 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000132965 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2026-06-02 13:41 | 2026-06-17 16:15 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see the document - Seller-06/16/2026 Counter-Final Settlement Statement provided, it appears we are missing the XXXX funds. Addition findings may apply - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please see the FSS - Seller-06/05/2026 Open-Total Qualified Assets Post-Close amount is '$-XXXXXX'. Assets are Insufficient. Provide sufficient asset to support total closing costs required. (Missing wire for gift funds in the amount of XXXX). - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Please see the document -
Seller-06/16/2026 Ready for Review-Document Uploaded. Please see the FSS - Seller-06/05/2026 |
Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 768 is higher than the required 700 Required is 700
Borrower has 768 Qualifying DTI below maximum allowed - DTI 28.42% is lower than allowable 49.99% Required is 49.99 Borrower has 33.58 LTV is less than guideline maximum - LTV 71.71% is lower than maximum 80% Required is 80 Borrower has 71.71 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000132965 | C | A | C | A | A | A | A | A | Closed | FCRE1459 | 2026-06-17 16:11 | 2026-06-17 16:15 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Less Than 2 Months Verified | Resolved-Asset 5 Less Than 2 Months Verified - Due Diligence
Vendor-06/17/2026 Open-Asset 5 Less Than 2 Months Verified - Due Diligence Vendor-06/17/2026 |
Resolved-Asset 5 Less Than 2 Months Verified - Due Diligence
Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 768 is higher than the required 700 Required is 700
Borrower has 768 Qualifying DTI below maximum allowed - DTI 28.42% is lower than allowable 49.99% Required is 49.99 Borrower has 33.58 LTV is less than guideline maximum - LTV 71.71% is lower than maximum 80% Required is 80 Borrower has 71.71 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000131494 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2026-06-02 12:55 | 2026-06-08 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received IRS search which reflects EA for person
completing the CPA letter - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the search result - Seller-06/05/2026 Open-Borrower 1 CPA Letter Missing. CPA letter is not verified. Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer. PTINS are not eligible. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Please see the search
result - Seller-06/05/2026 |
Resolved-Received IRS search which reflects EA for person
completing the CPA letter - Due Diligence Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 740 Borrower has 788 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.95 LTV is less than guideline maximum - Required is 80 Borrower has 46.78 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131494 | D | B | D | A | B | B | A | A | Closed | FCRE1204 | 2026-06-02 11:56 | 2026-06-08 14:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received XXXX for escrow officer, all clear. Lender
explanation not required for clearing high alerts - Due Diligence
Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the search result - Seller-06/05/2026 Open-Fraud Report Shows Uncleared Alerts Missing lender explanation for clearing high alert for potential XXXX match for escrow officer. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Please see the search
result - Seller-06/05/2026 |
Resolved-Received Sam.gov for escrow officer, all clear. Lender
explanation not required for clearing high alerts - Due Diligence
Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 740 Borrower has 788 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.95 LTV is less than guideline maximum - Required is 80 Borrower has 46.78 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131494 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-06-01 13:44 | 2026-06-02 05:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/01/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 740 Borrower has 788 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.95 LTV is less than guideline maximum - Required is 80 Borrower has 46.78 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131495 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2026-06-01 11:19 | 2026-06-04 15:28 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received WVOE - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Hello, I uploaded both PCCD and WVOE. Thank you, - Seller-06/03/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borr missing WVOE and short funds to close - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. Hello, I uploaded both PCCD and WVOE. Thank you, - Seller-06/03/2026 |
Resolved-Received WVOE - Due Diligence Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 777 LTV is less than guideline maximum - Required is 75 Borrower has 19.23 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131495 | D | A | D | A | A | A | A | A | Closed | FCRE1333 | 2026-06-01 10:46 | 2026-06-04 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received WVOE. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. - Seller-06/03/2026 Open-Borrower 1 WVOE Missing Missing Borr WVOE - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. - Seller-06/03/2026 |
Resolved-Received WVOE. - Due Diligence Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 777 LTV is less than guideline maximum - Required is 75 Borrower has 19.23 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131495 | D | A | D | A | A | A | A | A | Closed | FCRE9501 | 2026-06-01 11:12 | 2026-06-04 08:59 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Hello, I uploaded PCCD. Please review it and clear this condition. Thank you, - Seller-06/03/2026 Open-Total Qualified Assets Post-Close amount is '$XXXX. Assets are Insufficient. Subject primary Purchase. Borr short -$XXXXX funds to close. - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. Hello, I uploaded PCCD. Please review it and clear this condition. Thank you, - Seller-06/03/2026 |
Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 777 LTV is less than guideline maximum - Required is 75 Borrower has 19.23 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130254 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000132966 | C | A | A | A | C | A | A | A | Closed | finding-3352 | 2026-05-29 14:27 | 2026-06-10 10:08 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/10/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/29/2026 Waived- Loan meets HPML requirements. Waiver applied to non material finding. - Due Diligence Vendor-06/01/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/10/2026 Waived- Loan meets HPML requirements. Waiver applied to non material finding. - Due Diligence Vendor-06/01/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 774 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.26 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000130258 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130257 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-01 13:36 | 2026-06-02 04:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-06/01/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings - Due Diligence
Vendor-06/01/2026 |
Verified employment history exceeds guidelines - 7.5 years same
employer Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130267 | C | A | C | A | A | A | A | A | Closed | FCRE1248 | 2026-06-04 22:59 | 2026-06-10 12:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received confirmation sellers mortgage is in good
standing. - Due Diligence
Vendor-06/10/2026 Ready for Review-Document Uploaded. - Seller-06/10/2026 Counter-Received confirmation from 1004 that transaction is non-arms length. Review of guideline indicate non arm transaction allow . Missing 12-month mortgage history from the seller is required to confirm the transaction is not a foreclosure bailout. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. - Seller-06/08/2026 Open-Non-Arm's Length Transactions Not Allowed for Program Seller is current landlord, no indication of subject being in any foreclosure buy out. - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. - Seller-06/10/2026 Ready for Review-Document Uploaded. - Seller-06/08/2026 |
Resolved-Received confirmation sellers mortgage is in good
standing. - Due Diligence
Vendor-06/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 764 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130250 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-06-04 10:46 | 2026-06-18 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Title Commitment w/ all schedules. Title
Document is Provided And Complete - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Please see the documents - Seller-06/17/2026 Counter-Received partial Title, missing current vesting, coverage, Sch B, Sch B1. Finding remains - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the document - Seller-06/05/2026 Open-Title Document is Incomplete The loan file is missing the majority of the title policy, with no Schedules. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. Please see the documents -
Seller-06/17/2026 Ready for Review-Document Uploaded. Please see the document - Seller-06/05/2026 |
Resolved-Received Title Commitment w/ all schedules. Title
Document is Provided And Complete - Due Diligence Vendor-06/18/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
68.58 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130932 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-02 13:50 | 2026-06-02 14:20 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/02/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 770 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.84 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131492 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130020 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130915 | D | A | D | A | C | A | A | A | Closed | finding-3352 | 2026-06-03 12:24 | 2026-06-29 09:13 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/29/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-06/03/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/29/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 815 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.43 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000130915 | D | A | D | A | C | A | A | A | Closed | FCOM1270 | 2026-06-03 12:02 | 2026-06-24 12:07 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received copy of initial ARM Disclosure Provided.
Finding Resolved. - Due Diligence Vendor-06/24/2026 Ready for Review-Uploaded. See Initial Arm Disclosure. - Seller-06/23/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Uploaded. See Initial Arm Disclosure. -
Seller-06/23/2026 |
Resolved-Received copy of initial ARM Disclosure Provided.
Finding Resolved. - Due Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 815 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.43 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130915 | D | A | D | A | C | A | A | A | Closed | FCRE0044 | 2026-06-08 12:06 | 2026-06-10 12:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit refresh inquiry letter. - Due
Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Uploaded. See LOE XXXX. Rebuttal: Please see closing package pages 56-58. - Seller-06/08/2026 Open-*New* LOX for credit inquiries is missing. Please provide an LOE for the inquiry on XXXX reporting on the Gap Report. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. Uploaded. See LOE XXXX.
Rebuttal: Please see closing package pages 56-58. - Seller-06/08/2026 |
Resolved-Received credit refresh inquiry letter. - Due
Diligence Vendor-06/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 815 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.43 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130915 | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2026-06-04 12:45 | 2026-06-08 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-06/08/2026
Ready for Review-Document Uploaded. Uploaded. Soft Pull. - Seller-06/04/2026 Open-Borrower 1 Gap Credit Report is Missing Additional findings may apply. - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. Uploaded. Soft Pull. -
Seller-06/04/2026 |
Resolved-Received Gap Report. - Due Diligence
Vendor-06/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 815 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.43 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130915 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-06-03 12:24 | 2026-06-05 13:02 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/05/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-06/04/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. -
Seller-06/04/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 815 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.43 LTV is less than guideline maximum - Required is 75 Borrower has 60 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130938 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2026-06-05 18:24 | 2026-06-09 15:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent free letter. - Due Diligence
Vendor-06/09/2026 Ready for Review-Document Uploaded. hello team, please see the attached LOE - Seller-06/08/2026 Open-Housing History Does Not Meet Guideline Requirements Missing a VOR and/or rent-free letter for most recent/current housing for borrower. - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. hello team, please see the
attached LOE - Seller-06/08/2026 |
Resolved-Received Rent free letter. - Due Diligence
Vendor-06/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.38 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130938 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-06-04 13:45 | 2026-06-04 14:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Finding. - Due Diligence Vendor-06/04/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Finding. - Due Diligence
Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.38 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133198 | C | B | C | A | B | B | A | A | Closed | FCRE1510 | 2026-06-03 14:53 | 2026-06-16 16:23 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrective notarized DOT - Due Diligence
Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The notary date is wrong XXXX. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/15/2026 |
Resolved-Received corrective notarized DOT - Due Diligence
Vendor-06/16/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 40.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133198 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-06-03 15:14 | 2026-06-04 04:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2026 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 40.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000130922 | C | A | C | A | C | A | A | A | Closed | FCRE1204 | 2026-06-04 11:53 | 2026-06-11 15:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation all alerts have been cleared. -
Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see the report - Seller-06/10/2026 Open-Fraud Report Shows Uncleared Alerts. Borrower did not clear XXXX search, provide evidence on how cleared? - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. Please see the report -
Seller-06/10/2026 |
Resolved-Received confirmation all alerts have been cleared. -
Due Diligence Vendor-06/11/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130922 | C | A | C | A | C | A | A | A | Closed | finding-3617 | 2026-06-03 11:26 | 2026-06-08 08:32 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-06/05/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. Please see the PCCD -
Seller-06/05/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/08/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000132964 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000132967 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-03 10:33 | 2026-06-03 12:22 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 818 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.16 LTV is less than guideline maximum - Required is 80 Borrower has 32.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000132962 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130919 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130941 | C | B | C | A | B | B | A | A | Closed | FCRE0110 | 2026-06-05 07:03 | 2026-06-10 11:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-Received executed solar transfer agreement and PPA -
Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. document re uploaded please review - thank you - Seller-06/09/2026 Counter-Review did not receive noted document upload-please re upload. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. please see the attached solar documentation - Seller-06/08/2026 Open-Missing solar documentation to determine compliance with XXXX Guide Section B2-3-04. Appraisal notes solar (no reference to owned or leased with no value given) and title #9 addresses a solar contract. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. document re uploaded please
review - thank you - Seller-06/09/2026 Ready for Review-Document Uploaded. please see the attached solar documentation - Seller-06/08/2026 |
Resolved-Received executed solar transfer agreement and PPA -
Due Diligence Vendor-06/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.54 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130941 | C | B | C | A | B | B | A | A | Closed | FCRE1482 | 2026-06-05 07:48 | 2026-06-10 11:42 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received corresponding bank statement confirming
borrowers ownership of account. - Due
Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Hello team, please review the attached bank statement with the updated 1008 and 1003 - Seller-06/09/2026 Open-Asset 4 Does Not Meet Guideline Requirements Missing statement showing owner's name of XXXX account ending XXXX. Funds from this account were used based on a transaction history that did not provide ownership. Additional findings may apply since funds required for closing and reserves. - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. Hello team, please review
the attached bank statement with the updated 1008 and 1003 -
Seller-06/09/2026 |
Resolved-Received corresponding bank statement confirming
borrowers ownership of account. - Due
Diligence Vendor-06/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.54 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130941 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-06-03 15:31 | 2026-06-04 04:34 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.54 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133375 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130945 | D | B | D | A | C | B | A | A | Closed | FCOM0014 | 2026-06-04 13:15 | 2026-06-23 10:02 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see the confirmation from AMC - Seller-06/22/2026 Counter-ROV is not acceptable for proof of receipt. Please provide a copy of Certified Report Delivery, or Notice of Right to Receive copy of written Appraisal. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-06/16/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. -----Missing evidence of appraisal being received 3 or more days prior to closing - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. Please see the confirmation
from XXXX - Seller-06/22/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-06/16/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
68.33 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130945 | D | B | D | A | C | B | A | A | Closed | FCRE1325 | 2026-06-05 18:51 | 2026-06-17 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA license validation - Due Diligence
Vendor-06/17/2026 Ready for Review-Document Uploaded. please see the search result - Seller-06/16/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided, however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. please see the search
result - Seller-06/16/2026 |
Resolved-Received CPA license validation - Due Diligence
Vendor-06/17/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
68.33 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130945 | D | B | D | A | C | B | A | A | Closed | FCRE1202 | 2026-06-05 18:59 | 2026-06-17 16:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received management acknowledgment of fraud score -
Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see manager letter - Seller-06/16/2026 Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX: XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. Please see manager letter -
Seller-06/16/2026 |
Resolved-Received management acknowledgment of fraud score -
Due Diligence Vendor-06/17/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
68.33 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130945 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-06-04 13:34 | 2026-06-04 18:16 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/04/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/04/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
68.33 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.03 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131488 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-05 06:41 | 2026-06-09 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The misc. is the difference between the actual T&I
and the currently escrowed amounts. - Due Diligence Vendor-06/09/2026 Counter-Please provide the documents verifying the misc. amounts of XXXX. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please see attached updated 1008 and 1003. I checked the file for the verification supporting theXXXX amounts and it appears the UW used the most conservative approach by adding the current T&I in the misc. However, it seems the Misc amount of XXXX. I have made this change and submitted it on the portal XXXX Open-Missing evidence of TIA as reflected on Final 1003 for REO's 3B and 3C. Amount reflected for TIA not supported by any docs in file and mortgage statements both show escrowed. Additional conditions may apply. - Due Diligence Vendor-06/05/2026 |
` |
Resolved-The misc. is the difference between the actual T&I
and the currently escrowed amounts. - Due Diligence Vendor-06/09/2026 |
Months Reserves exceed minimum required - Months reserves
required is 0; qualifying reserves is 78.48 months. LTV is less than guideline maximum - Required is 75 Borrower has 22.47 Required is 75 Borrower has 22.47 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133379 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133953 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130939 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000130918 | C | B | A | A | C | B | A | A | Closed | FCOM0014 | 2026-06-11 17:03 | 2026-06-24 10:21 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the confirmation - Seller-06/23/2026 Counter-ROV is not acceptable for proof of receipt of appraisal. Please Provide a copy of Certified Report Delivery or Notice of Right to Receive Copy of written appraisal. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-06/16/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. -----Missing evidence of appraisal being received 3 or more days prior to closing. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please see the
confirmation - Seller-06/23/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-06/16/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 806 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.87 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000130918 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-06-11 13:20 | 2026-06-11 17:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-06/11/2026 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings - Due Diligence
Vendor-06/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 806 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.87 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131486 | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-06-12 13:39 | 2026-06-24 12:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Alert Summary w/All Interested Parties
Checked against Exclusionary Lists - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. please review the updated reviewed XXXX for this file - Seller-06/22/2026 Counter-Received Fraud report. Seller Signature on purchase contract is XXXX for XXXX. XXXX not included in search. Missing documentation to clear Participants alerts. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. please see the attached reviewed XXXX - Seller-06/16/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing seller, underwriter - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. please review the updated
reviewed XXXX for this file - Seller-06/22/2026 Ready for Review-Document Uploaded. please see the attached reviewed XXXX - Seller-06/16/2026 |
Resolved-Received Alert Summary w/All Interested Parties
Checked against Exclusionary Lists - Due Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 743 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.46 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133966 | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2026-06-11 12:36 | 2026-07-01 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received Borrower 1 YTD Profit & Loss Provided -
Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. the correct XXXX YTD P&L is attached. - Seller-06/29/2026 Counter-YTD P&L is From XXXX. Please provide a corrected YTD P&L from XXXX. Finding remains. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Open-Borrower 1 YTD Profit & Loss Missing YTD P&L in file is dated through XXXX instead of XXXX - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. the correct XXXX YTD
P&L is attached. - Seller-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 |
Resolved-Received Borrower 1 YTD Profit & Loss Provided -
Due Diligence Vendor-07/01/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 754 On time mortgage history exceeds guideline requirement - 0x30x48 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133966 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-06-11 12:36 | 2026-07-01 12:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Receive Internet Search. - Due Diligence
Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Open-Borrower 1 CPA Letter Missing CPA letter provided does not meet guidelines - per guidelines CPA must verify the borrower’s nature of business and confirm a phone number is not required or a Business phone number verification via XXXX Search, XXXX or internet is required but was not provided. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. - Seller-06/15/2026 |
Resolved-Receive Internet Search. - Due Diligence
Vendor-06/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 754 On time mortgage history exceeds guideline requirement - 0x30x48 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133966 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-11 13:22 | 2026-06-16 16:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documentation to support 2 units. - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please review the attached Rent Schedule/Appraisal document. As clearly indicated in the 'Subject Property Address' section, XXXX and XXXX are NOT separate REO properties. They are Unit #1 and Unit #2 of the EXACT SAME Subject Property. Therefore, the PITIA for XXXX is already accounted for. Please waive/clear the condition regarding missing REO expenses for XXXX. - Seller-06/15/2026 Open-missing REO expenses including PITIA for XXXX - No evidence provided that this is the same property as XXXX - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please review the attached
Rent Schedule/Appraisal document. As clearly indicated in the 'Subject
Property Address' section, XXXX and XXXX are NOT separate REO properties.
They are Unit #1 and Unit #2 of the EXACT SAME Subject Property. Therefore,
the PITIA for XXXX is already accounted for. Please waive/clear the condition
regarding missing REO expenses for XXXX. - Seller-06/15/2026 |
Resolved-Received documentation to support 2 units. - Due
Diligence Vendor-06/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 754 On time mortgage history exceeds guideline requirement - 0x30x48 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE8887 | 2026-06-24 16:21 | 2026-07-20 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received PITIA for XXXX - Due Diligence
Vendor-07/20/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/16/2026 Counter-Missing Note for XXXX or CD - Due Diligence Vendor-07/16/2026 Ready for Review-note was provided anfd P&I is on the note can you clarify what else are you looking for it seems all pitia document was provided - Seller-07/15/2026 Counter-Received Taxes, HOI, HOA for XXXX and Note, HOI, HOA, and Taxes. HOI for XXXX reflect Lien. P&I not in file for XXXX. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see seach showing HOA on XXXX and XXXX, Prelim attached for taxes issue page 9 and Insurance atttached as well - Seller-07/10/2026 Counter-Received TIA and proof borrower not obligated for Note on XXXX. Missing taxes, insurance and confirmation no HOA for XXXX - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. please see attached - Seller-07/02/2026 Counter-Located 1003 page continuation in client upload. Please provide Tax, Ins and HOA for XXXX and XXXX. If neither have HOA please provide borrower signed LOX - Due Diligence Vendor-07/02/2026 Ready for Review-Please see page 26 of the closing package showing both address is shown in the final 1003, please waive - Seller-07/01/2026 Counter-Review did not receive continuation sheet for 1003. Please provide - Due Diligence Vendor-06/30/2026 Ready for Review-Please waive it is included its in the Uniform Residential Loan Application — Continuation Sheet page - Seller-06/26/2026 Open-*NEW* received PITIA validation for XXXX None are reflecting on final 1003. Provide correct 1003 and 1008 - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/16/2026 Ready for Review-note was provided anfd P&I is on the note can you clarify what else are you looking for it seems all pitia document was provided - Seller-07/15/2026 Ready for Review-Document Uploaded. Please see seach showing HOA on XXXX and XXXX, Prelim attached for taxes issue page 9 and Insurance atttached as well - Seller-07/10/2026 Ready for Review-Document Uploaded. please see attached - Seller-07/02/2026 Ready for Review-Please see page 26 of the closing package showing both address is shown in the final 1003, please waive - Seller-07/01/2026 Ready for Review-Please waive it is included its in the Uniform Residential Loan Application — Continuation Sheet page - Seller-06/26/2026 |
Resolved-Received PITIA for XXXX - Due Diligence
Vendor-07/20/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-06-15 12:03 | 2026-07-16 13:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free and confirmation of ownership for
primary - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-06/23/2026 Open-Housing History Does Not Meet Guideline Requirements Missing a rent free letter from owner of borrower's primary residence documenting at least a most recent 12 month history. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-06/23/2026 |
Resolved-Received rent free and confirmation of ownership for
primary - Due Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2026-06-15 11:47 | 2026-07-16 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received 1 year P&L completed by EA. - Due
Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-06/23/2026 Open-Borrower 1 YTD Profit & Loss Missing Missing the most recent 12 months YTD P&L for the borrowers business. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-06/23/2026 |
Resolved-Received 1 year P&L completed by EA. - Due
Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1292 | 2026-06-15 11:47 | 2026-07-16 13:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. please see attached - Seller-06/23/2026 Open-Income 1 Months Income Verified is Missing Missing mortgage statement for property owned at: XXXX. Also, need proof of annual hazard insurance premium, annual property tax amount and monthly HOA fee. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-06/23/2026 |
Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1293 | 2026-06-15 11:47 | 2026-07-16 13:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. please see attached - Seller-06/23/2026 Open-Income 2 Months Income Verified is Missing Missing mortgage statement for property owned at: XXXX. Also, need proof of annual hazard insurance premium, annual property tax amount and monthly HOA fee. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-06/23/2026 |
Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1294 | 2026-06-15 11:47 | 2026-07-16 13:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 Ready for Review-please see attached - Seller-06/23/2026 Open-Income 3 Months Income Verified is Missing Missing mortgage statement for property owned at: XXXX. Also, need proof of annual hazard insurance premium, annual property tax amount and monthly HOA fee. - Due Diligence Vendor-06/15/2026 |
Ready for Review-please see attached - Seller-06/23/2026 |
Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1295 | 2026-06-15 11:47 | 2026-07-16 13:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. please see attached - Seller-06/23/2026 Counter-For clarification: Missing PITIA validation of REO XXXX. - Due Diligence Vendor-06/23/2026 Ready for Review-Please elaborate what is missing ? - Seller-06/22/2026 Open-Income 4 Months Income Verified is Missing - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-06/23/2026 Ready for Review-Please elaborate what is missing ? - Seller-06/22/2026 |
Resolved-Received PITIA validation - Due Diligence
Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-15 12:24 | 2026-07-07 12:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received validation of sufficient funds for closing
and reserves. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2026 Counter-Please provide sufficient assets to validate deposit shown on CD in the amount of $XXXXX, XXXX account XXXX shown on 1003 is not located in upload - Due Diligence Vendor-07/02/2026 Ready for Review-escrow receipts of amount in question is already in the closing package page can you re review it again it is shown in pages 99-101 - Seller-07/01/2026 Counter-Received PCCD reflecting $XXXXX deposit into escrow. Missing assets reflecting sufficient funds for closing and required reserves. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-06/26/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 9 month(s) Missing proof of 9 months P&I reserves. Will need more if credit supplement for disputed XXXX account not updated. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2026 Ready for Review-escrow receipts of amount in question is already in the closing package page can you re review it again it is shown in pages 99-101 - Seller-07/01/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-06/26/2026 |
Resolved-Received validation of sufficient funds for closing
and reserves. - Due Diligence Vendor-07/07/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE9501 | 2026-06-15 12:11 | 2026-07-07 12:48 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received validation of sufficient funds for closing
and reserves. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2026 Counter-Please provide sufficient funds unable to locate pg 99-101 as assets. XXXX shown on 1003 is not located in upload - Due Diligence Vendor-07/02/2026 Ready for Review-escrow receipts of amount in question is already in the closing package page can you re review it again it is shown in pages 99-101 - Seller-07/01/2026 Counter-Received PCCD reflecting $XXXXdeposit into escrow. Missing assets reflecting sufficient funds. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-06/26/2026 Open-Total Qualified Assets Post-Close amount is '$XXX Assets are Insufficient. Missing proof of sufficient funds to close. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2026 Ready for Review-escrow receipts of amount in question is already in the closing package page can you re review it again it is shown in pages 99-101 - Seller-07/01/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-06/26/2026 |
Resolved-Received validation of sufficient funds for closing
and reserves. - Due Diligence Vendor-07/07/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-06-15 12:11 | 2026-07-07 12:47 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received validation of sufficient funds for closing
and reserves. - Due Diligence
Vendor-07/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2026 Counter-Please provide documentation to validate asset deposit shown on CD in the amount of $XXXXX. XXXX shown on 1003 is not located in upload - Due Diligence Vendor-07/02/2026 Ready for Review-escrow receipts of amount in question is already in the closing package page can you re review it again it is shown in pages 99-101 - Seller-07/01/2026 Counter-Received PCCD reflecting $XXXXXdeposit into escrow. Missing assets reflecting sufficient funds. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-06/26/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof of sufficient funds to close. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2026 Ready for Review-escrow receipts of amount in question is already in the closing package page can you re review it again it is shown in pages 99-101 - Seller-07/01/2026 Ready for Review-Document Uploaded. PCCD attached - Seller-06/26/2026 |
Resolved-Received validation of sufficient funds for closing
and reserves. - Due Diligence
Vendor-07/07/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2026-06-15 12:08 | 2026-06-30 12:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation fraud report high and medium
alerts cleared - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Counter-For clarification, please provide updated report reflecting all High alerts on fraud report cleared. - Due Diligence Vendor-06/24/2026 Ready for Review-Please elaborate what fraud alerts are uncleared - Seller-06/23/2026 Open-Fraud Report Shows Uncleared Alerts Not all Fraud Alerts were addressed. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 Ready for Review-Please elaborate what fraud alerts are uncleared - Seller-06/23/2026 |
Resolved-Received confirmation fraud report high and medium
alerts cleared - Due Diligence Vendor-06/30/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133970 | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2026-06-15 12:13 | 2026-06-24 15:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-06/23/2026 Open-LOX for credit inquiries is missing. Missing a credit inquiry LOE. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-06/23/2026 |
Resolved-Received credit inquiry LOE - Due Diligence
Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 761 LTV is less than guideline maximum - Required is 80 Borrower has 57.14 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133967 | C | B | A | A | C | B | A | A | Closed | FCOM0014 | 2026-06-11 18:16 | 2026-06-24 10:19 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the confirmation - Seller-06/23/2026 Counter-ROV is not acceptable for proof of receipt of appraisal. Please Provide a copy of Certified Report Delivery or Notice of Right to Receive Copy of written appraisal. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-06/16/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. -----Missing evidence of appraisal being received 3 or more days prior to closing. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please see the confirmation
- Seller-06/23/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-06/16/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 797 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.46 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133967 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-06-11 14:28 | 2026-06-11 18:51 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/11/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 797 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.46 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133950 | C | B | C | A | B | B | A | A | Closed | FCRE1206 | 2026-06-12 09:28 | 2026-06-24 15:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Seller added to Fraud Report, All Clear. All
Interested Parties Checked against Exclusionary Lists - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the report - Seller-06/23/2026 Counter-OFAC provided. Please provide a Fraud report including the seller on the Participant List. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. please see the OFAC search result on the seller - Seller-06/16/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing Seller - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Please see the report -
Seller-06/23/2026 Ready for Review-Document Uploaded. please see the OFAC search result on the seller - Seller-06/16/2026 |
Resolved-Seller added to Fraud Report, All Clear. All
Interested Parties Checked against Exclusionary Lists - Due Diligence
Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 763 LTV is less than guideline maximum - Required is 80 Borrower has 74.87 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.02 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133950 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-06-11 12:40 | 2026-06-11 12:40 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-06/11/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings - Due Diligence
Vendor-06/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 763 LTV is less than guideline maximum - Required is 80 Borrower has 74.87 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.02 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131491 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-11 09:07 | 2026-06-11 10:02 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/11/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 805 LTV is less than guideline maximum - Required is 80 Borrower has 74.89 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.6 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133392 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-10 13:18 | 2026-06-10 13:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/10/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/10/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000131489 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-06 19:47 | 2026-07-08 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-07/08/2026 Ready for Review-Document Uploaded. Soft pull Attached - Seller-07/07/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Soft pull Attached - Seller-07/07/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-07/08/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
27.78 Months Reserves exceed minimum required - 20.55 MONTHS RESERVES EXCEED MINIMUM REQUIRED 0 MONTHS |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133951 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133378 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133952 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133957 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133393 | C | A | A | A | C | A | A | A | Closed | finding-3352 | 2026-06-11 11:08 | 2026-06-11 18:09 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/11/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-06/11/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/11/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 721 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.5 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000133377 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-11 18:43 | 2026-06-17 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-06/17/2026 Ready for Review-Document Uploaded. Please See Soft Pull - Seller-06/15/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please See Soft Pull -
Seller-06/15/2026 |
Resolved-Received credit refresh. - Due Diligence
Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 793 LTV is less than guideline maximum - Required is 80 Borrower has 39.16 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.28 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133377 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2026-06-11 12:13 | 2026-06-17 13:26 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see DOT, including the legal description - Seller-06/15/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please see DOT, including
the legal description - Seller-06/15/2026 |
Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 793 LTV is less than guideline maximum - Required is 80 Borrower has 39.16 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.28 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134409 | C | A | C | A | C | A | A | A | Closed | FCRE9501 | 2026-06-12 18:45 | 2026-07-10 13:10 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated asset printout reflecting sufficient
funds for closing. - Due Diligence
Vendor-07/10/2026 Ready for Review-Document Uploaded. Please see the bank statement. There were additional wires. - Seller-07/09/2026 Counter-PCCD provided. $XXXXX required to close. Reviewed assets - As of XXXX. Finding remains. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. Please see PCCD - Seller-07/01/2026 Counter-Received final settlement statement. Please provide PCCD. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please see the FSS - Seller-06/24/2026 Counter-Assets provided have already been included in the review. Borrower has a total of XXXX was do at close according the the Final Closing Disclosure. Finding remains. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the recent XXXX bank statement. - Seller-06/23/2026 Open-Total Qualified Assets Post-Close amount is '$XXXXX. Assets are Insufficient. . Provide sufficient assets to support total closing costs required. - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Please see the bank
statement. There were additional wires. - Seller-07/09/2026 Ready for Review-Document Uploaded. Please see PCCD - Seller-07/01/2026 Ready for Review-Document Uploaded. Please see the FSS - Seller-06/24/2026 Ready for Review-Document Uploaded. Please see the recent XXXX bank statement. - Seller-06/23/2026 |
Resolved-Received updated asset printout reflecting sufficient
funds for closing. - Due Diligence
Vendor-07/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 717 LTV is less than guideline maximum - Required is 80 Borrower has 48.53 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.81 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134409 | C | A | C | A | C | A | A | A | Closed | finding-3526 | 2026-06-12 12:18 | 2026-06-26 13:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received evidence of receipt. Finding resolved. - Due
Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please see the docusign certificate of completion - Seller-06/25/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Please provide receipt for LE dated XXXX as it is not signed and there is no evidence of receipt in the file to clear this condition - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Please see the docusign
certificate of completion - Seller-06/25/2026 |
Resolved-Received evidence of receipt. Finding resolved. - Due
Diligence Vendor-06/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 717 LTV is less than guideline maximum - Required is 80 Borrower has 48.53 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.81 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134409 | C | A | C | A | C | A | A | A | Closed | FCRE0108 | 2026-06-15 06:59 | 2026-06-26 12:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, fidelity coverage not required on
2-4 condo projects. - Due Diligence Vendor-06/26/2026 Ready for Review-Could you please waive this condition? The condominium is total two-unit with no condo association or HOA dues. - Seller-06/25/2026 Open-Fidelity Coverage not met. . Per guides Condominiums must meet agency eligibility and project requirements. XXXX requires XXXX insurance coverage. Provide XXXX coverage in the sum of three months of assessments on all units in the project. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Could you please waive this condition? The
condominium is total two-unit with no condo association or HOA dues. -
Seller-06/25/2026 |
Resolved-Upon further review, fidelity coverage not required on
2-4 condo projects. - Due Diligence Vendor-06/26/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 717 LTV is less than guideline maximum - Required is 80 Borrower has 48.53 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.81 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133958 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-15 12:25 | 2026-06-15 13:45 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/15/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower
has 43.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000134400 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134403 | C | B | C | A | B | B | A | A | Closed | FCRE0044 | 2026-06-12 17:46 | 2026-06-17 13:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, file contained all credit
documentation. - Due Diligence
Vendor-06/17/2026 Ready for Review-Rebuttal: We don't need an LOE for this file. Inquiry, XXXX is our broker for the subject transaction. - Seller-06/15/2026 Open-LOX for credit inquiries is missing. Missing a credit inquiry LOE. - Due Diligence Vendor-06/12/2026 |
Ready for Review-Rebuttal: We don't need an LOE for this file.
Inquiry, XXXX is our broker for the subject transaction. - Seller-06/15/2026 |
Resolved-Upon further review, file contained all credit
documentation. - Due Diligence
Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 706 LTV is less than guideline maximum - Required is 80 Borrower has 44.94 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.64 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134403 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-06-12 10:25 | 2026-06-12 10:40 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/12/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/12/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 706 LTV is less than guideline maximum - Required is 80 Borrower has 44.94 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.64 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133380 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-06-15 10:36 | 2026-06-22 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of enrolled agent license - Due
Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. I've attached the CPA's license. please review and assist in clearing the condition. sorry for the misunderstanding. thank you - Seller-06/18/2026 Counter-Received duplicate P&L and EA letter. Missing CPA/EA credential verification. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Both the P&L statement and the CPA letter were already included in the original loan package. I will re-submit them for your review. Please kindly re-review and assist in clearing this condition. Thank you! - Seller-06/15/2026 Open-Borrower 1 CPA Letter Missing Tax Preparer Letter provided, however, missing validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. I've attached the CPA's
license. please review and assist in clearing the condition. sorry for the
misunderstanding. thank you - Seller-06/18/2026 Ready for Review-Document Uploaded. Both the P&L statement and the CPA letter were already included in the original loan package. I will re-submit them for your review. Please kindly re-review and assist in clearing this condition. Thank you! - Seller-06/15/2026 |
Resolved-Received validation of enrolled agent license - Due
Diligence Vendor-06/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 36.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685 LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133962 | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-06-12 14:46 | 2026-07-09 14:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received new Desk Review, supports appraised value -
Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. Uploaded. See RDA - New Desk Review. - Seller-07/08/2026 Counter-Revised appraisal provided, please provide a New Desk Review based on the revisions. - Due Diligence Vendor-07/01/2026 Ready for Review-Please see appraiser commentary on PDF page 30: "REVISION XXXX: 1. Property Issues are identified for the property Appraisal completed 'As is'. Appraiser noted "there are no readily observable deficiencies or adverse conditions that affect the subject's livability, soundness, or structural integrity." However, the following pictures included in report reflect the following conditions: Rec room floor appears unfinished, half bath wall unfinished, rooms 1-4 unfinished, and separate sizeable outbuilding, possible ADU unfinished. The unfinished basement does not affect the subject's livability, soundness, or structural integrity. - Basement square footage has been corrected to only show 1 room below grade, 273 sf. The outbuilding was never recognized as an ADU, only as an outbuilding. A new comparable was added, and the original comp 3 was deleted, therefore there is a new opinion of market value." ] - Seller-06/26/2026 Counter-Received and reviewed updated Appraisal. Appraiser did not address the 1-4 unfinished rooms. These appear to be in the basement below grade but unsure therefore will need Appraiser to address. Also, appraised value is XXXX higher due to appraiser removing comp 3 and replacing w/ a new comp - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Uploaded. See Appraisal Report ( Revision XXXX). Provided information addressing revision on page # 30. - Seller-06/17/2026 Open-Property Issues are identified for the property Appraisal completed 'As is'. Appraiser noted "there are no readily observable deficiencies or adverse conditions that affect the subject's livability, soundness, or structural integrity." However, the following pictures included in report reflect the following conditions: Rec room floor appears unfinished, half bath wall unfinished, rooms 1-4 unfinished, and separate sizeable outbuilding, possible ADU unfinished. - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Uploaded. See RDA - New
Desk Review. - Seller-07/08/2026 Ready for Review-Please see appraiser commentary on PDF page 30: "REVISION XXXX: 1. Property Issues are identified for the property Appraisal completed 'As is'. Appraiser noted "there are no readily observable deficiencies or adverse conditions that affect the subject's livability, soundness, or structural integrity." However, the following pictures included in report reflect the following conditions: Rec room floor appears unfinished, half bath wall unfinished, rooms 1-4 unfinished, and separate sizeable outbuilding, possible ADU unfinished. The unfinished basement does not affect the subject's livability, soundness, or structural integrity. - Basement square footage has been corrected to only show 1 room below grade, 273 sf. The outbuilding was never recognized as an ADU, only as an outbuilding. A new comparable was added, and the original comp 3 was deleted, therefore there is a new opinion of market value." ] - Seller-06/26/2026 Ready for Review-Document Uploaded. Uploaded. See Appraisal Report ( Revision XXXX). Provided information addressing revision on page # 30. - Seller-06/17/2026 |
Resolved-Received new Desk Review, supports appraised value -
Due Diligence Vendor-07/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 756 LTV is less than guideline maximum - Required is 80 Borrower has 38.46 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.6 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134408 | C | B | C | B | C | B | A | A | Closed | finding-3617 | 2026-06-16 10:57 | 2026-06-25 11:47 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/25/2026 Ready for Review-Document Uploaded. Hello Please see correct PCCD there was a glitch in pulling in our system re pulled and it now shows correct disbursement date - Seller-06/24/2026 Counter-Final CD date issued XXXX is signed by borrower on XXXX. Disbursement date is XXXX on both the Final CD and the PCCD, showing it funding prior to closing on XXXX, which matches the notary date. - Due Diligence Vendor-06/18/2026 Ready for Review-Final CD is dated XXXX but the one your pointing out was the included PCCD which was generated XXXX but still shows closing dated and disbursement dated of XXXX please waive condition - Seller-06/17/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document Uploaded. Hello Please see correct
PCCD there was a glitch in pulling in our system re pulled and it now shows
correct disbursement date -
Seller-06/24/2026 Ready for Review-Final CD is dated XXXX but the one your pointing out was the included PCCD which was generated XXXX but still shows closing dated and disbursement dated of XXXX please waive condition - Seller-06/17/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/25/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower
has 37.72 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $4,671.01 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134408 | C | B | C | B | C | B | A | A | Closed | FCRE1198 | 2026-06-17 16:38 | 2026-06-18 13:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with
comp factors. Deemed non-material due to reserves are less than 1 month
short. - Due Diligence Vendor-06/18/2026 Ready for Review-Please provide your calculation on how asset is insufficient because on our end we have enough asset per guidline - Seller-06/17/2026 Open-Audited Reserves of 3.32 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Please provide your calculation on how asset
is insufficient because on our end we have enough asset per guidline -
Seller-06/17/2026 |
Waived-Originator waiver applied to non material finding with
comp factors. Deemed non-material due to reserves are less than 1 month
short. - Due Diligence Vendor-06/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower
has 37.72 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $4,671.01 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | |
| XXXX | XXXX | 4000134408 | C | B | C | B | C | B | A | A | Closed | FCOM5135 | 2026-06-16 10:13 | 2026-06-16 10:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/16/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/16/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower
has 37.72 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $4,671.01 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133961 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133968 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133969 | C | A | C | A | A | A | A | A | Closed | FCRE1148 | 2026-06-18 12:37 | 2026-06-24 15:03 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title supplement with sufficient coverage. -
Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide title coverage in the amount of XXXX. Supplement provided only reflects XXXX. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Received Title supplement with sufficient coverage. -
Due Diligence Vendor-06/24/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 43.42 LTV is less than guideline maximum - Required is 80 Borrower has 56 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134401 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134410 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133955 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2026-06-15 17:47 | 2026-06-24 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management Review/Approval to move forward -
Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the letter - Seller-06/23/2026 Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX: XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see the letter -
Seller-06/23/2026 |
Resolved-Received Management Review/Approval to move forward -
Due Diligence Vendor-06/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.05 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133955 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-06-15 07:12 | 2026-06-15 07:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/15/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/15/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 760 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.05 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000134405 | D | A | D | A | C | A | A | A | Closed | FCRE1506 | 2026-06-15 16:42 | 2026-06-23 15:01 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the CPA confirms years of
self-employment. - Due Diligence Vendor-06/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. CPA Letter provided; however, it states only that the borrower has filed Schedule C for the previous 2 years. CPA to verify the borrower's start date to cover 24 months of self-employment history. - Due Diligence Vendor-06/15/2026 |
Resolved-After further review, the CPA confirms years of
self-employment. - Due Diligence Vendor-06/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.88 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000134405 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-06-15 16:03 | 2026-06-23 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, the CPA confirms years of self-employment. - Due Diligence
Vendor-06/23/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided; however, it states only that the borrower has filed Schedule C for the previous 2 years. CPA to verify the borrower's start date to cover 24 months of self-employment history. Additional conditions may apply pending review. - Due Diligence Vendor-06/15/2026 |
Resolved-After further review, the CPA confirms years of self-employment. - Due Diligence
Vendor-06/23/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.88 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000134405 | D | A | D | A | C | A | A | A | Closed | FCOM0014 | 2026-06-15 17:02 | 2026-06-22 08:28 | Resolved | 1 - Information | C | A | Compliance | Closing | Missing evidence appraisal delivered to borrower a minimum of 3 days prior to closing | Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-06/22/2026 Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. Missing evidence of appraisal being received 3 or more days prior to closing - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please review the attached document so the
condition may be cleared. - Seller-06/22/2026 |
Resolved-Received notification of value sent. Finding Resolved.
- Due Diligence Vendor-06/22/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.88 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134405 | D | A | D | A | C | A | A | A | Closed | FCRE1440 | 2026-06-15 16:14 | 2026-06-17 13:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided a property profile verifying that the
individual who provided the rent free letter- XXXX- is the property owner of
XXXX. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see attached documents. They verify the owner is the letter writer. - Seller-06/17/2026 Open-Housing History Does Not Meet Guideline Requirements Rent-free letter provided in file. The letter can be provided by the owner of the property or main lessee of the property. Lender to provide documentation verifying that the individual who provided the letter is the property owner or else a copy of the lease agreement (indicating they are the lessee of the property) is required. Additional conditions may apply. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. Please see attached
documents. They verify the owner is the letter writer. - Seller-06/17/2026 |
Resolved-Lender provided a property profile verifying that the
individual who provided the rent free letter- XXXX- is the property owner of
XXXX. - Due Diligence Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.88 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133954 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-06-15 19:13 | 2026-06-22 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received business phone number validation. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/18/2026 Counter-Received CPA letter. Borrower Business is a XXXX. Business number is required for the nature of this business. Finding remains. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. This is already included in the package. - Seller-06/16/2026 Open-Borrower 1 CPA Letter Missing Business phone number verification via XXXX Search, XXXX or internet is required. The CPA letter states a business phone number is not required for the nature of the borrower's business (a donut shop), which does not make sense. Additionally, the fraud report could not locate the business with the phone number provided. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/18/2026 Ready for Review-Document Uploaded. This is already included in the package. - Seller-06/16/2026 |
Resolved-Received business phone number validation. - Due Diligence Vendor-06/22/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 720 Borrower has 753 LTV is less than guideline maximum - Required is 80 Borrower has 49.43 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.91 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133959 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-25 15:23 | 2026-07-15 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOI on XXXX - Due Diligence
Vendor-07/15/2026 Ready for Review-Escrow and UW both confirmed, no HOI for XXXX. No insurance is stated on the settlement statement. - Seller-07/13/2026 Counter-Reviewed all documents provided. Appears that we are only missing the HOI on XXXX(we have tax bill and he paid cash) Please provide all pages - Due Diligence Vendor-07/10/2026 Ready for Review-Please see the copy of XXXX Lane PITIA. XXXX was fully paid off in cash as shown in previously uploaded FSS. Lease for XXXX is still in request. - Seller-07/09/2026 Counter-Received 1003. Received confirmation borrower is title only XXXX. Missing re taxes and HOA for XXXX . Received final settlement for XXXX. Missing PITIA validation of XXXX. Missing lease for XXXX - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Please see the 1004 documents. All seven REO are stated. XXXX. is fully paid in cash. Please see the XXXX DOT. - Seller-07/01/2026 Counter-Received CD for XXXX. Received CD and Note for XXXX. Missing confirmation borrower is not on title for XXXX. Received final settlement for XXXX. Missing PITIA validation of XXXX. Missing 1003/1008 reflecting all REOs. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. Please see the documents. XXXX street was paid in cash. - Seller-06/25/2026 Open-Missing - PITIA on the following REO Properties: XXXX. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Escrow and UW both confirmed, no HOI for XXXX.
No insurance is stated on the settlement statement. - Seller-07/13/2026 Ready for Review-Please see the copy of XXXX PITIA. XXXX was fully paid off in cash as shown in previously uploaded FSS. Lease for XXXX is still in request. - Seller-07/09/2026 Ready for Review-Document Uploaded. Please see the 1004 documents. All seven REO are stated. XXXX. is fully paid in cash. Please see the XXXX DOT. - Seller-07/01/2026 Ready for Review-Document Uploaded. Please see the documents. XXXX street was paid in cash. - Seller-06/25/2026 |
Resolved-Received confirmation no HOI on XXXX - Due Diligence
Vendor-07/15/2026 |
Qualifying DTI below maximum allowed - . Required is 49.99
Borrower has 25.33 LTV is less than guideline maximum - . Required is 80 Borrower has 45.43 Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 761 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133959 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2026-06-25 15:38 | 2026-07-15 12:37 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received validation of additional REOs - Due Diligence
Vendor-07/15/2026 Ready for Review-Title and UW both confirmed, no HOI for XXXX No insurance is stated on the settlement statement. - Seller-07/13/2026 Counter-Pending receipt of HOI for XXXX- Due Diligence Vendor-07/10/2026 Counter-Pending receipt of PITIA for all reos - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Please see the documents - Seller-07/01/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing REO payments - To calculated DTI - Due Diligence Vendor-06/25/2026 |
Ready for Review-Title and UW both confirmed, no HOI for XXXX.
No insurance is stated on the settlement statement. - Seller-07/13/2026 Ready for Review-Document Uploaded. Please see the documents - Seller-07/01/2026 |
Resolved-Received validation of additional REOs - Due Diligence
Vendor-07/15/2026 |
Qualifying DTI below maximum allowed - . Required is 49.99
Borrower has 25.33 LTV is less than guideline maximum - . Required is 80 Borrower has 45.43 Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 761 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133959 | D | A | D | A | A | A | A | A | Closed | FCRE0196 | 2026-06-25 13:59 | 2026-07-10 13:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received title supplement confirming subject was free
of encumbrances. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Please see the supplemental report from title. - Seller-07/09/2026 Counter-Received rebuttal of no liens for seller. Schedule B #10 reflects mortgage and seller closing disclosure does not reflect as being paid in full. - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Seller does not owe anything on the property. - Seller-07/01/2026 Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title shows a mortgage that is not reflected on the seller's CD as being paid at closing. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. Please see the supplemental
report from title. - Seller-07/09/2026 Ready for Review-Document Uploaded. Seller does not owe anything on the property. - Seller-07/01/2026 |
Resolved-Received title supplement confirming subject was free
of encumbrances. - Due Diligence Vendor-07/10/2026 |
Qualifying DTI below maximum allowed - . Required is 49.99
Borrower has 25.33 LTV is less than guideline maximum - . Required is 80 Borrower has 45.43 Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 761 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133963 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134413 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134412 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-17 15:20 | 2026-06-22 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, file contained Note and CD for
recent refi of REO 3c - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Please review the highlighted file. FCD and note for REO 3c are already included. - Seller-06/18/2026 Open-Missing Final CD & Note from recent refinance of property 3C under loan XXXX to verify terms. DTI not yet finalized - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. Please review the
highlighted file. FCD and note for REO 3c are already included. -
Seller-06/18/2026 |
Resolved-Upon further review, file contained Note and CD for
recent refi of REO 3c - Due Diligence Vendor-06/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134412 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2026-06-17 15:16 | 2026-06-22 09:28 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, file contained Note and CD for
REO 3c - Due Diligence Vendor-06/22/2026 Ready for Review-Please review the explanation under the other condition. - Seller-06/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing refi docs on Property 3C for final DTI - Due Diligence Vendor-06/17/2026 |
Ready for Review-Please review the explanation under the other
condition. - Seller-06/22/2026 |
Resolved-Upon further review, file contained Note and CD for
REO 3c - Due Diligence Vendor-06/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133965 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2026-06-17 15:50 | 2026-06-24 11:45 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the pccd - Seller-06/23/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. Please see the pccd -
Seller-06/23/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-06/24/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 43.01 LTV is less than guideline maximum - Required is 80 Borrower has 67.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133965 | C | B | A | A | C | B | A | A | Closed | FCOM1353 | 2026-06-17 15:15 | 2026-06-18 05:46 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). -----"ROR
Form H8 is acceptable in place of H9 form. Finding is deemed non-material.
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2026 |
Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). -----"ROR
Form H8 is acceptable in place of H9 form. Finding is deemed non-material.
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 43.01 LTV is less than guideline maximum - Required is 80 Borrower has 67.15 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133964 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134404 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-16 11:22 | 2026-06-16 13:29 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/16/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 704 Required is 660 Borrower has
704 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.16 Required is 49.99 Borrower has 33.16 LTV is less than guideline maximum - Required is 75 Borrower has 44 Required is 75 Borrower has 44 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000133956 | C | B | C | A | B | B | A | A | Closed | FCRE8611 | 2026-06-17 13:47 | 2026-06-22 09:16 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received business phone number validation. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. I have attached the XXXX search results for the borrower’s employment information. - Seller-06/18/2026 Open-Missing Verification on business phone number - Per guidelines Business phone number verification via XXXX Search, XXXX or internet is required. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. I have attached the XXXX
search results for the borrower’s employment information. -
Seller-06/18/2026 |
Resolved-Received business phone number validation. - Due Diligence Vendor-06/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.44 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.08 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133956 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-06-16 10:37 | 2026-06-16 11:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/16/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material
Findings. - Due Diligence Vendor-06/16/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
58.44 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.08 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000134402 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134406 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133376 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000131483 | C | B | C | A | A | A | B | B | Closed | FCRE1198 | 2026-06-18 15:08 | 2026-06-25 13:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional statement confirming sufficient
reserves. - Due Diligence
Vendor-06/25/2026 Ready for Review-Document Uploaded. Hello team, the required reserves for this file are XXXX. Please review the attached asset documentation, which was already included in the closing package. It confirms total assets of $XXXXXbased on bank statements, which is sufficient to meet the required reserve amount. Based on the above, please proceed with clearing this condition. - Seller-06/24/2026 Open-Audited Reserves of 1.95 month(s) are less than Guideline Required Reserves of 4 month(s) Please provide additional assets to support 4 months (P&I) total reserves requirement (2 months for subject and 2 months for additional REO). - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. Hello team, the required
reserves for this file are XXXX. Please review the attached asset
documentation, which was already included in the closing package. It confirms
total assets of $XXXXXbased on bank statements, which is sufficient to meet
the required reserve amount. Based on the above, please proceed with clearing
this condition. - Seller-06/24/2026 |
Resolved-Received additional statement confirming sufficient
reserves. - Due Diligence
Vendor-06/25/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
60.27 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000131483 | C | B | C | A | A | A | B | B | Closed | FPRO9876 | 2026-06-24 15:10 | 2026-06-24 15:12 | Waived | 2 - Non-Material | B | B | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Waived-The file contains 2 secondary valuations of which one
does not support, therefore, waiver has been applied to non-material finding
- Due Diligence Vendor-06/24/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/24/2026 |
Waived-The file contains 2 secondary valuations of which one
does not support, therefore, waiver has been applied to non-material finding
- Due Diligence Vendor-06/24/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
60.27 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135427 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000135428 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000135424 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000135423 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-06-23 17:37 | 2026-07-10 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation no estimates from title
available. Review considered tax rates from tax cert provided of XXXX sales
price. - Due Diligence
Vendor-07/10/2026 Ready for Review-Document Uploaded. I have the updated 1003 and 1008 if these work. Title do not have any new estimates to send us. - Seller-07/09/2026 Counter-Received confirmation re taxes were submitted by originator. Tax cert received does not reflect improvements. Provide tax estimates from title or provide calculations for estimate - Due Diligence Vendor-07/08/2026 Ready for Review-UW said the XXXX is the tax amount the broker tentatively used when submitting files. It was updated afterward. - Seller-07/07/2026 Counter-Received rebuttal. Tax cert received does not reflect improvements. Provide tax estimates from title or provide calculations for estimate - Due Diligence Vendor-06/26/2026 Ready for Review-Title has confirmed that tax is not based on improvements. - Seller-06/25/2026 Open-Missing Evidence of Property Tax Missing tax estimate/tax cert based on improvements and not just the land - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. I have the updated 1003 and
1008 if these work. Title do not have any new estimates to send us. -
Seller-07/09/2026 Ready for Review-UW said the XXXX is the tax amount the broker tentatively used when submitting files. It was updated afterward. - Seller-07/07/2026 Ready for Review-Title has confirmed that tax is not based on improvements. - Seller-06/25/2026 |
Resolved-Received confirmation no estimates from title
available. Review considered tax rates from tax cert provided of XXXX sales
price. - Due Diligence
Vendor-07/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.96 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135423 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-06-23 16:45 | 2026-06-26 14:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval.
- Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please see the document - Seller-06/25/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. Please see the document - Seller-06/25/2026 |
Resolved-Received approval.
- Due Diligence Vendor-06/26/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.96 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134407 | C | A | C | A | C | A | A | A | Closed | FCRE9501 | 2026-06-23 08:03 | 2026-06-29 13:04 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCd confirming sufficient assets verified -
Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. please review the attached PCCD - Seller-06/25/2026 Open-Total Qualified Assets Post-Close amount is '$XXXXX'. Assets are Insufficient. Subject primary Purchase. Borr short -$XXXXX funds to close. - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. please review the attached
PCCD - Seller-06/25/2026 |
Resolved-Received PCCd confirming sufficient assets verified -
Due Diligence Vendor-06/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 41.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 LTV is less than guideline maximum - Required is 75 Borrower has 37.04 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134407 | C | A | C | A | C | A | A | A | Closed | finding-3352 | 2026-06-22 12:03 | 2026-06-26 16:25 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence
Vendor-06/23/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-06/22/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence
Vendor-06/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 41.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 LTV is less than guideline maximum - Required is 75 Borrower has 37.04 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000135429 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000135439 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-22 12:43 | 2026-06-22 12:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/22/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/22/2026 |
Verified employment history exceeds guidelines - Borrower has
owned her current business for over 5 years. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135438 | C | A | C | A | A | A | A | A | Closed | FCRE0197 | 2026-06-23 06:15 | 2026-06-26 13:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller settlement statement - Due Diligence
Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-The Final SELLER CD/HUD is missing. Missing Final Seller CD/HUD - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Received seller settlement statement - Due Diligence
Vendor-06/26/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
50 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 805 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135426 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-23 11:24 | 2026-06-23 11:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/23/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/23/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 35.21 LTV is less than guideline maximum - Required is 80 Borrower has 27.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135436 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-22 10:41 | 2026-06-22 10:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings - Due Diligence Vendor-06/22/2026 | Waived-Required Affiliated Business Disclosure Missing
------Originator waiver applied to non-material Findings - Due Diligence
Vendor-06/22/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 773 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.5 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135425 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000135617 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-25 14:23 | 2026-06-25 14:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/25/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-06/25/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 34.32 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135432 | D | B | D | A | C | B | A | A | Closed | FCRE1202 | 2026-06-22 16:39 | 2026-06-25 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received fraud report with supporting SAM and SSI
validations - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. The Fraud Report appears to be complete and is visible on my side without any issues. I have reattached the Fraud Report for your review. Could you please re-review and assist in clearing this condition? Thank you - Seller-06/24/2026 Open-Third Party Fraud Report Partially Provided Fraud report provided is missing several pages. Please provide a complete copy of the Fraud Report. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. The Fraud Report appears to
be complete and is visible on my side without any issues. I have reattached the Fraud Report for your review. Could you please re-review and assist in clearing this condition? Thank you - Seller-06/24/2026 |
Resolved-Received fraud report with supporting SAM and SSI
validations - Due Diligence Vendor-06/25/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 Required is 49.99 Borrower has 42.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135432 | D | B | D | A | C | B | A | A | Closed | finding-3352 | 2026-06-22 12:06 | 2026-06-24 10:02 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/23/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-06/22/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-06/23/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 Required is 49.99 Borrower has 42.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000135432 | D | B | D | A | C | B | A | A | Closed | FCOM1353 | 2026-06-22 13:40 | 2026-06-22 13:45 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). "ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Finding. - Due Diligence Vendor-06/22/2026 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). "ROR Form H8
is acceptable in place of H9 form. Finding is deemed non-material. Originator
waiver applied to non-material Finding.
- Due Diligence Vendor-06/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 Required is 49.99 Borrower has 42.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | ||
| XXXX | XXXX | 4000135432 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-06-22 11:36 | 2026-06-22 12:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/22/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/22/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 Required is 49.99 Borrower has 42.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135519 | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2026-06-25 13:27 | 2026-06-30 12:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right of Rescission. Finding Resolved. - Due
Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Uploaded. See Right of Rescission. - Seller-06/29/2026 Open-Right of Rescission is Missing -----Provide the executed Right of Recission. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. Uploaded. See Right of
Rescission. - Seller-06/29/2026 |
Resolved-Received Right of Rescission. Finding Resolved. - Due
Diligence Vendor-06/30/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 697 LTV is less than guideline maximum - Required is 75 Borrower has 22.22 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 24.19 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133960 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-06-25 14:39 | 2026-06-29 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh - Due Diligence
Vendor-06/29/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-06/25/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. Uploaded. See Soft Pull. -
Seller-06/25/2026 |
Resolved-Received credit refresh - Due Diligence
Vendor-06/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.33 LTV is less than guideline maximum - Required is 80 Borrower has 35.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133960 | D | B | D | A | B | B | A | A | Closed | FCRE9814 | 2026-06-25 16:05 | 2026-06-29 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Trust Cert - Due Diligence Vendor-06/29/2026
Ready for Review-Document Uploaded. Uploaded. See Seller Trust Agreement. - Seller-06/25/2026 Open-Missing Trust Agreement for Seller to confirm Signing Authority. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. Uploaded. See Seller Trust
Agreement. - Seller-06/25/2026 |
Resolved-Received Trust Cert - Due Diligence
Vendor-06/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.33 LTV is less than guideline maximum - Required is 80 Borrower has 35.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000133960 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-06-25 09:56 | 2026-06-25 10:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-06/25/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings - Due Diligence
Vendor-06/25/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 28.33 LTV is less than guideline maximum - Required is 80 Borrower has 35.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135435 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134347 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134377 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000137442 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-07-01 16:05 | 2026-07-17 12:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received purchase CD for property 3b within another
condition. No payments due as of yet -
Due Diligence Vendor-07/17/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOM for REO 3b. - Due Diligence Vendor-07/01/2026 |
Resolved-Received purchase CD for property 3b within another
condition. No payments due as of yet -
Due Diligence Vendor-07/17/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
15.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 696 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000137442 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-07-01 17:30 | 2026-07-17 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD -
Due Diligence Vendor-07/17/2026 Ready for Review-Please see the documents - Seller-07/15/2026 Open-Missing verification of taxes, , and/or HOA fees for non-subject property 3b. ( missing mortgage statement to support of taxes and insurance are escrowed). - Due Diligence Vendor-07/01/2026 |
Ready for Review-Please see the documents -
Seller-07/15/2026 |
Resolved-Received CD -
Due Diligence Vendor-07/17/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
15.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 696 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137442 | D | A | D | A | A | A | A | A | Closed | FCRE0177 | 2026-07-01 14:56 | 2026-07-17 12:47 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received revised 1003 removing rental income for
subject. - Due Diligence
Vendor-07/17/2026 Ready for Review-Document Uploaded. Please see the updated 1003, we will not use the rental income. - Seller-07/15/2026 Counter-Received lease. Missing Form 1007 supporting rental income considered in qualifying and meeting guidelines 10.9.2 - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. Please see the lease agreement. - Seller-07/10/2026 Open-Missing Third Party Market Rent Source - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see the updated
1003, we will not use the rental income. - Seller-07/15/2026 Ready for Review-Document Uploaded. Please see the lease agreement. - Seller-07/10/2026 |
Resolved-Received revised 1003 removing rental income for
subject. - Due Diligence
Vendor-07/17/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has
15.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 696 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137445 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-06-29 11:17 | 2026-06-29 11:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/29/2026 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/29/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 720 Borrower has 794 Required is 720 Borrower has
794 LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.21 Required is 49.99 Borrower has 31.21 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000134414 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134411 | C | B | C | A | C | B | A | A | Closed | FCRE1204 | 2026-07-01 16:56 | 2026-07-17 13:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud clearance, OFAC and SAM clearance. -
Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. It was manually searched. Please see the search results - Seller-07/16/2026 Counter-Received duplicate fraud report with high alerts just noted as "cleared". Lender to provide documentation used to clear or document how each high alert was cleared. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see the report - Seller-07/13/2026 Open-Fraud Report Shows Uncleared Alerts High alerts for XXXX - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. It was manually searched.
Please see the search results - Seller-07/16/2026 Ready for Review-Document Uploaded. Please see the report - Seller-07/13/2026 |
Resolved-Received fraud clearance, OFAC and SAM clearance. -
Due Diligence Vendor-07/17/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
66.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134411 | C | B | C | A | C | B | A | A | Closed | FCRE0044 | 2026-07-01 17:33 | 2026-07-14 10:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not
applicable. - Due Diligence
Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see the LOE - Seller-07/10/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see the LOE -
Seller-07/10/2026 |
Resolved-LOX for credit inquiries is present in file or not
applicable. - Due Diligence
Vendor-07/14/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
66.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134411 | C | B | C | A | C | B | A | A | Closed | FCRE9501 | 2026-07-02 08:08 | 2026-07-13 10:54 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. Please see the FSS from title. - Seller-07/10/2026 Open-Total Qualified Assets Post-Close amount is '$XXXXX'. Assets are Insufficient. Gift letter and wire receipts of XXXX. Short reserves. The gifts did not reflect on final CD and only one gift in the amount of $XXXXX was provided and wired to title, the $XXXXX was not received and not used due to not have the proof of wire recieved. - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. Please see the FSS from
title. - Seller-07/10/2026 |
Resolved-Total Qualified Assets Post-Close are greater than $0.
- Due Diligence Vendor-07/13/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
66.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134411 | C | B | C | A | C | B | A | A | Closed | finding-47 | 2026-07-01 13:42 | 2026-07-13 08:39 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 07/10/2026. Finding Resolved. - Due
Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. Please see the pccd - Seller-07/10/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see the pccd -
Seller-07/10/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-07/13/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
66.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134411 | C | B | C | A | C | B | A | A | Closed | finding-3617 | 2026-07-01 13:42 | 2026-07-13 08:39 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-07/13/2026 Ready for Review-Document Uploaded. Please see the pccd - Seller-07/10/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see the pccd - Seller-07/10/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-07/13/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
66.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000134411 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2026-07-01 12:22 | 2026-07-01 13:48 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/01/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/01/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
66.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.04 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000137439 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000128823 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000135430 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000137432 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-07-06 07:42 | 2026-07-08 09:54 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-07/08/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Disclosure advising borrower of revised interest rate and any interest rate dependent charges was not delivered within three business days after the interest rate was locked. Statute of Limitations - 3 Years, expiration date XXXX - Due Diligence Vendor-07/06/2026 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-07/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 715 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.39 LTV is less than guideline maximum - Required is 75 Borrower has 62.18 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000137432 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-07-02 12:23 | 2026-07-08 09:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-07/08/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($4,250.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($11,135.49). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $XXXX to $XXXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-07/02/2026 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-07/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 715 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.39 LTV is less than guideline maximum - Required is 75 Borrower has 62.18 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000135518 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-07-06 15:00 | 2026-07-14 11:40 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Loan Approval. - Due Diligence
Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see the document - Seller-07/10/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Please see the document -
Seller-07/10/2026 |
Resolved-Received Loan Approval. - Due Diligence
Vendor-07/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 774 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.97 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135518 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-07-06 14:40 | 2026-07-14 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval for Fraud Report over 800
received. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see the letter - Seller-07/10/2026 Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX: XXXX® scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Please see the letter -
Seller-07/10/2026 |
Resolved-Received Management approval for Fraud Report over 800
received. - Due Diligence Vendor-07/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 774 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.97 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137449 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-07-02 14:56 | 2026-07-02 15:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/02/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/02/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
61.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 716 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.51 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000137436 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-07-08 14:22 | 2026-07-17 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-After further review- rental income of $XXXX was
reflected on the initial 1003. However, upon reviewing the post 1003 and
final 1003, there is no rental income of $XXreported. Full housing payment of
XXXX. - Due Diligence Vendor-07/17/2026 Counter-Received lease for XXXX. Missing lease for XXXX. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Hello team, please see the attached lease agreement - thank you - Seller-07/08/2026 Open-Missing lease agreement on XXXX property for $XXX/mos - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. Hello team, please see the
attached lease agreement - thank you - Seller-07/08/2026 |
Resolved-After further review- rental income of $XXXXXwas
reflected on the initial 1003. However, upon reviewing the post 1003 and
final 1003, there is no rental income of $XXXX reported. Full housing payment
of XXXX. - Due Diligence Vendor-07/17/2026 |
Months Reserves exceed minimum required - 38 mths reserves; 6
mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137435 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-07-07 12:47 | 2026-07-17 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received rental agreement with no lease end date
supporting $XXXX per month - Due Diligence Vendor-07/17/2026 Ready for Review-The form is a rental agreement, and has no expiration date. - Seller-07/15/2026 Counter-Received Lease agreement dated XXXX. Lease agreement does not indicate an expiration date nor does it indicate it is month to month. Finding remains. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. - Seller-07/10/2026 Open-Missing a copy of the lease agreement for rental property 3A for $XXX/mos - Due Diligence Vendor-07/07/2026 |
Ready for Review-The form is a rental agreement, and has no
expiration date. - Seller-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/10/2026 |
Resolved-Received rental agreement with no lease end date
supporting $XXXXper month - Due Diligence Vendor-07/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 705 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137435 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-07-07 13:02 | 2026-07-14 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Taxes for XXXX and HOI and NOTE for XXXX.
Missing Taxes for XXXX and HOI for XXXX.
- Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see the documents - Seller-07/10/2026 Open-Missing taxes and insurance for property 3A Missing taxes for property 3C (primary). Missing a copy of the new Note for the borrowers primary residence property 3C. - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Please see the documents -
Seller-07/10/2026 |
Resolved-Received Taxes for XXXX and HOI and NOTE for XXXX.
Missing Taxes for XXXX and HOI for XXXX.
- Due Diligence Vendor-07/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 705 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137448 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-07-06 14:26 | 2026-07-10 08:30 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-07/10/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-07/09/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. -
Seller-07/09/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence
Vendor-07/10/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 820 LTV is less than guideline maximum - Required is 80 Borrower has 38.46 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.83 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138237 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2026-07-08 10:24 | 2026-07-16 14:10 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review- file contains a transaction
history for XXXX thru XXXX documenting a $XXXXXwire. Gift letter from Brws
Mother provided in stips for this transfer. A transaction history for Donors
XXXX in file documenting the $XXXXX transfer to Brw. Brw received 3 gifts that were wired
directly to title: $XX,XXX, $XXX,XXX & $XX,00XXX0. Asset documentation is
complete. - Due Diligence Vendor-07/16/2026 Counter-Provide proof of Gift Letter in file for funds from XXXX $XXX. - Due Diligence Vendor-07/14/2026 Ready for Review-Rebuttal: The $XXX is not a gift but came from borrower's XXXX account. - Seller-07/10/2026 Counter-Received gift letter. File contained proof of donor transfer. Missing borrowers receipt of $XXX gift. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Uploaded. See Gift letter $XXX - Seller-07/09/2026 Open-Total Qualified Assets Post-Close amount is '$-1XXX'. Assets are Insufficient. The borrower brought $XXXXXto closing; however, the source came from a large deposit on XXXX of $XXXXX, which was undocumented. - Due Diligence Vendor-07/08/2026 |
Ready for Review-Rebuttal: The $XXXXXk is not a gift but came
from borrower's XXXX account. - Seller-07/10/2026 Ready for Review-Document Uploaded. Uploaded. See Gift letter $XXXX- Seller-07/09/2026 |
Resolved-After further review- file contains a transaction
history for XXXX thru XXXX documenting a $XXXXwire. Gift letter from Brws
Mother provided in stips for this transfer. A transaction history for Donors
XXXX in file documenting the $XXXX transfer to Brw. Brw received 3 gifts that were wired
directly to title: $XXXX, $XXX & $XXXXX Asset documentation is complete.
- Due Diligence Vendor-07/16/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 812 LTV is less than guideline maximum - Required is 80 Borrower has 68.89 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138238 | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2026-07-06 10:28 | 2026-07-09 12:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received seller's cd. Finding Resolved. - Due
Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Open-The Final SELLER CD is missing - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 |
Resolved-Received seller's cd. Finding Resolved. - Due
Diligence Vendor-07/09/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income
- Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual income = $22,314.39; minimum required NONE Months Reserves exceed minimum required - Verified assets of 5.15 months exceeds the minimum required of 4 months. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135721 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000131897 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000133894 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000138236 | D | A | A | A | D | A | A | A | Closed | FCOM1354 | 2026-07-07 11:52 | 2026-07-14 12:05 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-Upon further review, Friday XXXX federally observed
holiday for Saturday XXXX is treated as active business day for recission
purposes. Full three days observed, finding is resolved. - Due Diligence
Vendor-07/14/2026 Counter-XXXX is considered a federal holiday since the holiday XXXX fell on a XXXX. The 3rd business day should have beenXXXX. - Due Diligence Vendor-07/09/2026 Ready for Review-As shown in the attached Right to Cancel document, the borrower was provided with the required 3 business days following the transaction date of XXXX: XXXX, XXXX, and XXXX. Although XXXX is a XXXX remains a valid business day. Therefore, the expiration date of midnight on XXXX, is completely accurate and compliant. Please re-review and clear this system finding. - Seller-07/09/2026 Open-Right to Cancel Transaction Date is 'XXXX' but the Disclosure Cancel Date entered is 'XXXX'. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-07/07/2026 |
Ready for Review-As shown in the attached Right to Cancel
document, the borrower was provided with the required 3 business days
following the transaction date of XXXX), XXXX, and XXXX. Although XXXX is a XXXX remains a valid business day. Therefore, the expiration date of midnight on XXXX, is completely accurate and compliant. Please re-review and clear this system finding. - Seller-07/09/2026 |
Resolved-Upon further review, Friday XXXX federally observed
holiday for Saturday XXXX is treated as active business day for recission
purposes. Full three days observed, finding is resolved. - Due Diligence
Vendor-07/14/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 80 Borrower has 52.55 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138236 | D | A | A | A | D | A | A | A | Closed | FCOM1271 | 2026-07-07 12:00 | 2026-07-09 10:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-Received CHARM Booklet. Finding Resolved. - Due
Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Open-CHARM Booklet is Missing in file - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 |
Resolved-Received CHARM Booklet. Finding Resolved. - Due
Diligence Vendor-07/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 80 Borrower has 52.55 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138236 | D | A | A | A | D | A | A | A | Closed | FCOM1270 | 2026-07-07 12:00 | 2026-07-09 10:18 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received ARM Disclosure Provided Within 3 Days of
Application Date. Finding Resolved. - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 |
Resolved-Received ARM Disclosure Provided Within 3 Days of
Application Date. Finding Resolved. - Due Diligence Vendor-07/09/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 80 Borrower has 52.55 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138236 | D | A | A | A | D | A | A | A | Closed | finding-3352 | 2026-07-07 12:24 | 2026-07-08 12:51 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-07/08/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-07/07/2026 |
Resolved-Loan contains full appraisal and escrows, meeting HPML
compliance. - Due Diligence Vendor-07/08/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 80 Borrower has 52.55 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | XXXX | 4000138235 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-07-10 15:12 | 2026-07-17 12:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document Uploaded. Explanation provided on how alert was cleared. - Due
Diligence Vendor-07/17/2026 Counter-Received fraud report reflecting XXXX alert cleared, however report does reflect an explanation. Provide explanation of clearance or clear XXXX search for re agent. - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. Please see the cleared fraud alert. - Seller-07/13/2026 Open-Fraud Report Shows Uncleared Alerts Broker XXXX and Selling Agent XXXXalert not cleared. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Please see the cleared
fraud alert. - Seller-07/13/2026 |
Resolved-Document Uploaded. Explanation provided on how alert was cleared. - Due
Diligence Vendor-07/17/2026 |
Long term residence - Borrower has occupied primary for more
than 4 year and no delinquency per VOR Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000138235 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-07-10 15:37 | 2026-07-15 11:55 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. Please See Complete pages of the DOT - Seller-07/14/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Please See Complete pages
of the DOT - Seller-07/14/2026 |
Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-07/15/2026 |
Long term residence - Borrower has occupied primary for more
than 4 year and no delinquency per VOR Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137450 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000136523 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-07-10 06:25 | 2026-07-10 14:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator Waiver applied to Non-Material Finding with
Comp Factors. Exception approval for First time Investor and does not have 12
months home ownership. - Due Diligence
Vendor-07/10/2026 Open-Lender exception for First time Investor and does not have 12 months home ownership. borrower is not FTHB. - Due Diligence Vendor-07/10/2026 |
Waived-Originator Waiver applied to Non-Material Finding with
Comp Factors. Exception approval for First time Investor and does not have 12
months home ownership. - Due Diligence
Vendor-07/10/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has
75 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 726 |
fico 20+ points reserves 12 + minimal consumer debt DSCR over 1.25 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX | |
| XXXX | XXXX | 4000137453 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-07-10 15:50 | 2026-07-10 15:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2026 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/10/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 44.7 LTV is less than guideline maximum - Required is 80 Borrower has 24.26 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000135619 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-07-14 20:45 | 2026-07-17 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received management acknowledgement of fraud score -
Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/16/2026 Open-Third Party Fraud Report Partially Provided •XXXX scores above 800 from XXXX - missing require management review and approval by the Underwriting Manager in order to proceed with the loan - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/16/2026 |
Resolved-Received management acknowledgement of fraud score -
Due Diligence Vendor-07/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135619 | D | A | D | A | A | A | A | A | Closed | FCRE1355 | 2026-07-14 18:23 | 2026-07-17 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received business phone number validation. - Due
Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/16/2026 Open-Borrower 2 CPA Letter Missing CPA letter provided but CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower, otherwise Business phone number verification via XXXX Search, XXXX or internet is required - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/16/2026 |
Resolved-Received business phone number validation. - Due
Diligence Vendor-07/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135619 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2026-07-14 20:41 | 2026-07-17 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh for B2 - Due Diligence
Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/17/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/17/2026 |
Resolved-Received credit refresh for B2 - Due Diligence
Vendor-07/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137129 | C | A | A | A | C | A | A | A | Closed | finding-3526 | 2026-07-14 11:33 | 2026-07-15 11:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received document tracking for borrower's receipt.
Finding Resolved. - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Borrower's acknowledgment of LE issued XXXX is required, please provide. Addition findings may apply upon receipt. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 |
Resolved-Received document tracking for borrower's receipt.
Finding Resolved. - Due Diligence Vendor-07/15/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 794 Required is 700 Borrower has
794 Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.77 Required is 50 Borrower has 29.77 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137396 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-07-14 14:35 | 2026-07-28 09:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation that CD XXXX was a prelim and not
to be included in borrower's information. - Due Diligence Vendor-07/28/2026
Ready for Review-Document Uploaded. The 3 day CD is XXXX and the final CD is XXXX There is no XXXX CD….we must have included a prelim CD of the closing agents - Seller-07/27/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $XXXX(Transfer taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires 08/08/2026 (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. The 3 day CD is XXXX and
the final CD isXXXX There is no XXXX CD….we must have included a prelim CD of the closing agents - Seller-07/27/2026 |
Resolved-Received explanation that CD XXXX was a prelim and not
to be included in borrower's information. - Due Diligence
Vendor-07/28/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Qualifying DTI below maximum allowed - Required is 55 Borrower has 33.03 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137396 | D | A | D | A | C | A | A | A | Closed | finding-3540 | 2026-07-14 14:35 | 2026-07-24 09:31 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Borrower received at closing. Finding Resolved. - Due
Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXXX & CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Borrower received at closing. Finding Resolved. - Due
Diligence Vendor-07/24/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Qualifying DTI below maximum allowed - Required is 55 Borrower has 33.03 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137396 | D | A | D | A | C | A | A | A | Closed | FCRE6019 | 2026-07-15 19:20 | 2026-07-17 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I551 for Borrower - Due Diligence
Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/16/2026 Open-Borrower Citizenship Documentation Is Missing. Provide Green Card I-1551. (1003 reflects borrower is Permanent Resident Alien). - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/16/2026 |
Resolved-Received I551 for Borrower - Due Diligence
Vendor-07/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Qualifying DTI below maximum allowed - Required is 55 Borrower has 33.03 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135052 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-07-15 17:21 | 2026-07-17 10:59 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A legal description, There are no issues
present on the Mortgage Document (Deed of Trust). - Due Diligence
Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/16/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Lgl Dscrp - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/16/2026 |
Resolved-Received Ex A legal description, There are no issues
present on the Mortgage Document (Deed of Trust). - Due Diligence
Vendor-07/17/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 803 Required is 700 Borrower has
803 Months Reserves exceed minimum required - 167 mths reserves; 6 mths required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000137451 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-07-15 13:06 | 2026-07-15 13:45 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2026 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/15/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.95 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||
| XXXX | XXXX | 4000136272 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000137429 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000137154 | C | A | C | A | A | A | A | A | Closed | FCRE8013 | 2026-07-20 13:24 | 2026-07-22 12:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received fully executed Purchase Contract - Due
Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. - Seller-07/21/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Partial sales contract provided. (1 pg amdt) - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. - Seller-07/21/2026 |
Resolved-Received fully executed Purchase Contract - Due
Diligence Vendor-07/22/2026 |
Months Reserves exceed minimum required - 84 mths reserves; 6
mths required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 Required is 700 Borrower has 749 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000135019 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000134631 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000138705 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000137664 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000140161 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000140713 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000138553 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000142015 | A | A | A | A | A | A | A | A | A | A | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000141111 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | ||||||||||||||||
| XXXX | XXXX | 4000143035 | A | A | A | A | A | A | A | A | A | A | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX |