Loan Number
Seller Loan Number
Originator
Last Name
Note Date
Original Balance
State
TPR QM ATR Status
Loan Status
Exception Date
Remediation Status
Exception ID
Exception Type
Exception Category
Exceptions
Exception Rebuttal
Exception Rebuttal Date
Exception Rebuttal Response
Exception Rebuttal Response Date
Compensating Factors
Initial Overall Loan Grade
Final Overall Loan Grade
Initial Exception Grade
Final Exception Grade
Initial Credit Grade
Final Credit Grade
Initial Property Valuation Grade
Final Property Valuation Grade
Initial Compliance Grade
Final Compliance Grade
Initial Overall Grade (DBRS/Morningstar)
Initial Credit Grade (DBRS/Morningstar)
Initial Property Valuation Grade (DBRS/Morningstar)
Initial Compliance Grade (DBRS/Morningstar)
Initial Overall Grade (Fitch)
Initial Credit Grade (Fitch)
Initial Property Valuation Grade (Fitch)
Initial Compliance Grade (Fitch)
Initial Overall Grade (Kroll)
Initial Credit Grade (Kroll)
Initial Property Valuation Grade (Kroll)
Initial Compliance Grade (Kroll)
Initial Overall Grade (Moodys)
Initial Credit Grade (Moodys)
Initial Property Valuation Grade (Moodys)
Initial Compliance Grade (Moodys)
Initial Overall Grade (S&P)
Initial Credit Grade (S&P)
Initial Property Valuation Grade (S&P)
Initial Compliance Grade (S&P)
Final Overall Grade (DBRS/Morningstar)
Final Credit Grade (DBRS/Morningstar)
Final Property Grade (DBRS/Morningstar)
Final Compliance Grade (DBRS/Morningstar)
Final Overall Grade (Fitch)
Final Credit Grade (Fitch)
Final Property Grade (Fitch)
Final Compliance Grade (Fitch)
Final Overall Grade (Kroll)
Final Credit Grade (Kroll)
Final Property Grade (Kroll)
Final Compliance Grade (Kroll)
Final Overall Grade (Moodys)
Final Credit Grade (Moodys)
Final Property Grade (Moodys)
Final Compliance Grade (Moodys)
Final Overall Grade (S&P)
Final Credit Grade (S&P)
Final Property Grade (S&P)
Final Compliance Grade (S&P)
SEMT2026S1001
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)  
Loan Review Complete  
04/03/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
  
09/04/2026
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
09/04/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1005
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/22/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1009
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/24/2026
Resolved
FCOM1851
Compliance
Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance
Incorrect rescission model used - XXX form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure, rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. Due to subject being located in the State of XXX, exception graded a B.
attached
05/21/2026
Corrected H9 RTC disclosures provided. Exception resolved.; Correct RTC form has been provided; Material
05/22/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1009
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE1148
Credit
Title Coverage is Less than Subject Lien
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
Title
05/01/2026
Lender provided the updated title showing sufficient coverage. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material
05/01/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1009
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided. Per AUS #XXX dated XX/XX/XXXX, the appraised value is XXX however there are no supporting documentation. Please provide the lower value appraisal or updated AUS. Note: The appraisal value is XXX
Please see u/w notes on XXX The lesser of appraised value vrs sales price used since property purchased within the most recent XXX months. What other documentation is required
04/28/2026
Value based on the purchase price since purchased within the most recent XXX months. Condition cleared. ; AUS is not incomplete.
04/28/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1009
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
04/27/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1009
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/23/2026
Rescinded
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing CDA. Please provide CDA.
    
Not required - Rescind.; Property/Appraisal Meets Guidelines
04/27/2026
  
D
A
A
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1013
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: Missing the CDA for the appraisal with the lower valuation of XXX
CDA
06/09/2026
Third Party Valuation Product provided within tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines.
06/10/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX%
D
A
C
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1013
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/01/2026
Resolved
FCRE1184
Credit
AUS Not Provided
Missing AUS. Required AUS was not in file for review. Please provide most recent AUS for review
AUS
05/18/2026
Lender provided the AUS. Condition cleared. ; AUS is not missing.
05/19/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX%
D
A
D
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1013
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
04/30/2026
Resolved
FCOM3608
Compliance
Intent to Proceed is Missing
The intent to proceed is missing. Document Required: The intent to proceed is missing.
Intent to Proceed
05/11/2026
Proof of Intent to Proceed has been provided.
05/12/2026
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX%
D
A
B
A
D
A
C
A
B
A
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
D
D
C
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1017
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/04/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
05/06/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1021
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the addition of the discount points and the addition of the Final inspection fee XXX for XXX on the XX/XX/XXXX CD. There is a COC for the addition of the XXX final inspection fee but is not being accepted due to the missing the Initial CD. The receipt of the initial CD may change these results, additional testing will be completed once received. COC for the increase in the discount points was not in file. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Please see the attached XXX, CD for final inspection, discount points and Initial CD
05/11/2026
Initial CD and valid COC provided - exception resolved; Initial CD and valid COC provided - exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
05/12/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1021
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
finding-3532
Compliance
Initial Closing Disclosure Delivery Date Test
Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The Mavent shows the initial CD date of XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation date of XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.
Initial CD
05/11/2026
Initial CD provided - exception resolved; Initial CD provided - exception resolved
05/12/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1021
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/11/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1025
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. The eSigned documents consent is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XXX or before.
tracking
05/13/2026
Evidence of eConsent is provided.; Material
05/14/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1025
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/06/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
05/11/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1029
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FVAL9739
Property
Property/Appraisal General
Property/Appraisal guideline violation: XXX Value Source was not in file for review. Please provide required CDA.
CDA Attached
05/20/2026
Third Party Valuation Product provided within Tolerance. Condition cleared. ; Property/Appraisal Meets Guidelines
05/21/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1029
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/14/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
05/18/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
C
A
A
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
A
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A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
SEMT2026S1033
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/20/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.
05/27/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1037
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/22/2026
Resolved
FCOM1233
Credit
The Final 1003 is Incomplete
The Final 1003 is Incomplete. Per Final 1003 Section 5b: XXX., the borrower checked yes to being a co-signer or guarantor on any debt or loan that is not disclosed on this application. Please provide supporting documentation for this undisclosed debt.
Uploaded B1 LOE regarding co-signer account. That debt is already in the qualifying DTI Ratio.
06/09/2026
Lender provided an LOE. Debt is already in the qualifying DTI Ratio. Condition cleared. ; The Final 1003 is Present
06/10/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1037
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/22/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
06/01/2026
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
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A
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A
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A
A
A
A
A
A
A
SEMT2026S1041
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/29/2026
Resolved
FCRE5774
Credit
Borrower 1 Credit Report is Incomplete
Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX States escrow but does not indicate what items are escrowed. Please provide taxes and insurance documentation or verification that taxes and insurance are escrowed.
attached; attached full credit report
06/10/2026
Tax and insurance provided. Condition cleared. ; ; Auditor response: Lender provided credit report. The credit report does not reflect if a loan is escrowed.. Please provide taxes and insurance documentation or verification that taxes and insurance are escrowed. Edit Delete
06/11/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1041
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/29/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
06/03/2026
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
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A
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A
A
A
A
A
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A
A
A
A
A
A
A
A
A
SEMT2026S1045
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/05/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
06/10/2026
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
A
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A
A
A
A
A
A
SEMT2026S1049
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/11/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
econsent
06/16/2026
Evidence of eConsent is provided.
06/17/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
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A
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A
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A
A
A
A
A
A
A
A
A
A
SEMT2026S1049
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/09/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
06/15/2026
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
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A
A
A
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A
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A
A
A
A
A
A
SEMT2026S1053
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/11/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
06/17/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
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A
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A
A
A
A
A
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A
A
A
A
A
A
A
A
A
SEMT2026S1053
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/11/2026
Resolved
FCRE7497
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Address of XXX is listed on 1003 as Own however is not listed on REO page XXX. XXX appears on all documents provided by borrower as residence. Please provide documentation for this property to calculate PITIA if applicable to be added in DTI in which Lender did not.
Uploaded docs of sale of XXX
06/15/2026
Lender provided the signed settlement Statement as evidence the property located at XXX was sold. Borrower was living rent free after recently selling current residence. Condition cleared.
06/16/2026
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
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D
D
A
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A
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A
A
A
A
A
A
A
SEMT2026S1057
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/16/2026
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and SSPL issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE in file is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
uploaded initial CD
06/24/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1057
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/16/2026
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and SSPL issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE in file is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE and SSPL are provided.
Uploaded initial CD
06/24/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1057
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/16/2026
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per mavent report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX.
Uploaded initial CD
06/24/2026
Initial LE provided; exception resolved; Initial LE provided; exception resolved
06/25/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1057
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
06/16/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
06/22/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
C
A
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1061
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/06/2026
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
Please see attached copy of Econsent to clear suspense condition
07/09/2026
Evidence of eConsent is provided.; Material
07/09/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
B
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1061
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/02/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided.
07/08/2026
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
C
A
A
A
B
A
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
C
C
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
SEMT2026S1065
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/08/2026
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
07/13/2026
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX.XX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX.XX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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