Exhibit 99.1 - Schedule 1
| Seller Name | Seller Loan ID | Customer Loan ID | Exception ID | Exception ID Date | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Compensating Factors | Exception Status | Cleared Date | Exception Approved Pre Origination | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade |
| XXXXX | 3158706034 | FCRE5774 | 09/23/2026 | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Credit Report was single file XXX. No attempt to pull XXX or XXX documented in file. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706034 | FCRE5775 | 09/23/2026 | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Credit Report was single file XXX. No attempt to pull XXX or XXX documented in file. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706034 | FCRE9178 | 09/23/2026 | Credit | Eligibility | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706034 | finding-3652 | 09/23/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The lender credit violation in the amount of XXX is due to the reduction of lender credits: -A lender credit of XXX was reduced to XXX on the initial CD dated XX/XX/XXXX, and was later increased to XXX on the revised CD dated XX/XX/XXXX. The file does not contain a valid COC for the reduction of the lender credit or additionally the increase on XX/XX/XXXX. | Document Uploaded. Do Not Concur. The lender credit which is premium pricing was reduced to XXX on XX/XX/XXXX due to pricing changes, and was increased later. Please see system snips of the CIC information and pricing screen, the final increase in premium pricing was in favor to the customer. These changes were disclosed timely to the borrower. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706034 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706035 | FCRE1294 | 09/24/2026 | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Income 3 Months Income Verified is Missing. Missing income docs for XXX from XXX | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706035 | FCOM1621 | 09/23/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | Document Uploaded. Please see the initial escrow disclosure | XXX: Clear | 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. | Resolved | 09/23/2026 | B | A | B | A | B | A | B | A | B | A | B | A | ||
| XXXXX | 3158706035 | FCRE5774 | 09/23/2026 | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Credit Report was single file XXX. No attempt to pull XXX or XXX documented in file. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706035 | FCRE5775 | 09/23/2026 | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Credit Report was single file XXX. No attempt to pull XXX or XXX documented in file. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706035 | FCRE9178 | 09/23/2026 | Credit | Eligibility | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706035 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706025 | finding-3532 | 09/23/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. 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. 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. Document Uploaded. Do Not Concur. Please see the initial CD that was sent to the borrower and also received electronically on XX/XX/XXXX, please also see system snip showing sent and received dates. | 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 violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 65% | 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. | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706025 | FPRO8998 | 09/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 65% | 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. | Resolved | 09/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706025 | FCRE3843 | 09/22/2026 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The borrower did not meet the XXX reserve requirement- The Universal Escalation Form is in file on page XXX | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 65% | 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. | Acknowledged | Yes | D | B | D | B | D | B | D | B | D | B | D | B | |||
| XXXXX | 3158706025 | FCRE1182 | 09/22/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The XXX is missing from the loan file | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706026 | FCRE1174 | 09/26/2026 | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | HO-6 Master Insurance Policy Partially Provided. The master policy is missing the coverage for liability. Please provide copy of master policy reflecting all coverage amounts. | Document Uploaded. HOI provided | XXX: Clear | 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% | Resolved | 09/26/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXXXX | 3158706026 | finding-3532 | 09/23/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Do Not Concur. Please see the initial CD that was sent to the borrower and also received electronically on XX/XX/XXXX, please also see system snip showing sent and received dates. | Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | XXX: Clear | 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% | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706026 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706031 | finding-3634 | 09/23/2026 | Compliance | TRID Tolerance | 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). Document Uploaded. Do Not Concur. Please see the CICs and other system snips showing the reasons for the appraisal fee increase on XX/XX/XXXX and also the discount points increase on XX/XX/XXXX. Appraisal complexity comments are included and also the pricing update screen. These fees disclosed timely to the borrower. | 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 in Discount Points Fee from XXX to XXX on LE XX/XX/XXXX and Appraisal Fee from XXX to XXX on LE XX/XX/XXXX, both without a COC. | XXX: Clear | Borrower has stable job time - Borrower has 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% | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706031 | finding-3532 | 09/23/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Do Not Concur. Please see the initial CD that was sent to the borrower and also received electronically on XX/XX/XXXX, please also see system snip showing sent and received dates. | Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | XXX: Clear | Borrower has stable job time - Borrower has 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% | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706031 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has 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% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706031 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has 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% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706032 | finding-3634 | 09/30/2026 | Compliance | TRID Tolerance | 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). 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). Document Uploaded. Do Not Concur. There was a loan amount change, and the pricing changed, this caused an increase in the discount points. Please see system snips of the pricing update screen and also of the CIC for this change. This disclosed timely to the borrower. Document Uploaded. Please see Loan Estimate from XX/XX/XXXX Document Uploaded. Apologies please see additional comments for the CIC for occupancy / product change on XX/XX/XXXX which affected the pricing and discount points that were disclosed timely on XX/XX/XXXX. | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on CD XX/XX/XXXX without a COC. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.89% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.89% is less than Guideline LTV of 65% | Resolved | 09/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706032 | FCRE6728 | 09/29/2026 | Credit | Eligibility | Guideline Violation: Property is not Owner Occupied | Documentation provided indicates a policy exception was issued for occupancy, tracking-Core XXX. Universal escalation was not included in the file | Please see LOX from Underwriter on the change to occupancy: **COUNTEROFFER APPROVAL ISSUED DUE TO CHANGE IN OCCUPANCY ** TRANSACTION: XXX loan // Investment -Cash out // Non-Agency XX fixed // XXX% note rate Original request was for cash out on primary home at XXX - occupancy not supported and has been flipped to Investment property. Clients purchased XXX XXX which is listed as an investment on the application in XXX and although lox addressing cash out States the proceeds from the subject are to be used for renovations fat XXX XXX - online search confirms this is a new construction with higher value and square footage than the subject property. Ins dec page also confirms XXX is owner occupied SUBJECT REO: XXX XXX (SFR) - Stated value of XXX XXX showing XXX // currently owned f/c Appraisal received supporting value of XXX which is lower than customer Stated value- LTV of 37.90% meets policy requirements, no negative impact to the transaction ; The customer isn't moving into the property until XXX of XXX a little less than a year which is greater than XXX days and would not be considered owner occupied.; The exception for Occupancy was for the loan to be originated as owner occupied. The exception was declined. There are no exceptions on this loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.89% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.89% is less than Guideline LTV of 65% | Resolved | 09/29/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706032 | FPRO8998 | 09/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.89% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.89% is less than Guideline LTV of 65% | Resolved | 09/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706032 | FCRE8999 | 09/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706033 | finding-3367 | 09/25/2026 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur with the finding | Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.22% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.5% is less than Guideline LTV of 75% | Unable to Resolve | B | B | B | B | B | B | B | B | B | B | B | B | |||
| XXXXX | 3158706033 | FCRE9995 | 09/22/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX Lender exception provided for reserves supported by the following compensating factors: High disposable income, high FICO and XXX credit history, strong assets and reserves close to $XXX requirement, low exposure. Exception downgraded to a level 2/B. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.22% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.5% is less than Guideline LTV of 75% | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |||
| XXXXX | 3158706033 | FCRE1193 | 09/22/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Exception to DTI located on page XXX | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.22% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.5% is less than Guideline LTV of 75% | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |||
| XXXXX | 3158706033 | FPRO8998 | 09/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.22% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.5% is less than Guideline LTV of 75% | Resolved | 09/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706040 | FCRE7497 | 09/24/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Other XXX need HOA, mortgage XXX is missing, also there is no documentation to verify XXX no documentation on taxes etc | Document Uploaded. See the HOA & HO6 for property located at XXX - this property is a co-op so the taxes are included in the Co-op fee, you can XXX the property to confirm this as this is typical for co-ops in XXX. For XXX, this is a XXX unit home that was just purchased, the rental income was used off the appraisal (loan was also with XXX), I've attached the following: appraisal for that property to document estimated rental income, printout from Customer Assist (our internal system) to document the new loan with the P & I payment, date opened, etc, copy of the tax bill and insurance bill that was in that file and also a printout from XXX to show the full PITIA payment. This should suffice for all that you need, thank you | XXX: Clear | 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. | Resolved | 09/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXXXX | 3158706040 | finding-3634 | 09/23/2026 | Compliance | TRID Tolerance | 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 requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The zero tolerance violation in the amount of XXX is due Transfer taxes increased from XXX to XXX on the revised LE, dated XX/XX/XXXX. The file does not contain a valid COC for the increase of this fee. | Document Uploaded. Do Not Concur. There was an appraisal revision needed due to questions about the property and the initial XXX taxes, there was an appraisal, and loan amount increase, please see system snips of the CICs, the transfer taxes were updated and disclosed to the borrower time | XXX: Clear | 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. | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706040 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706046 | finding-3634 | 09/28/2026 | Compliance | TRID Tolerance | 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). Document Uploaded. Do Not Concur. There was a change in the loan amount on XX/XX/XXXX, this caused a change in the pricing increasing the discount points, this was disclosed timely to the borrower. | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on CD XX/XX/XXXX without COC. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 09/28/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706046 | FCRE7496 | 09/24/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | XXX - provide evidence that there is no HOA or HOA bill. | This is noted as a SFR in our system of record. You can XXX the property and it reflects SFR in XXX, XXX and XXX | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 09/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXXXX | 3158706046 | FPRO8998 | 09/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 09/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706058 | FCRE7497 | 09/24/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing insurance for XXX and LOE or HOA | XXX is a commercial dental property. (XXX per XXX), this property is a rental and appears on the Schedule E of the XXX's in the file. Attached however please find the commercial HOI bill with a breakdown to show how much of the policy is attributed towards this property. There is no HOA. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXXXX | 3158706058 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706058 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706073 | FCOM9186 | 09/23/2026 | Compliance | Missing Doc | 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. | Document Uploaded. Do Not Concur. Please see system snip showing that e-consent was obtained from the borrower on XX/XX/XXXX. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.5% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.5% is less than Guideline CLTV of 65% | Resolved | 09/23/2026 | B | A | B | A | B | A | B | A | B | A | B | A | ||
| XXXXX | 3158706073 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.5% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.5% is less than Guideline CLTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706073 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.5% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.5% is less than Guideline CLTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706107 | FCRE8999 | 09/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXXXX | 3158706107 | FPRO8998 | 09/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706107 | FCOM8997 | 09/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706107 | FCRE9994 | 09/22/2026 | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Max LTV per guidelines for cash out refinance of investment property is XXX% lender granted XXX% exception up to 75% ltv | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |||
| XXXXX | 3158706153 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706153 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706153 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706160 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.13% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.13% is less than Guideline CLTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706160 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.13% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.13% is less than Guideline CLTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706160 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.13% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.13% is less than Guideline CLTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706244 | FCOM3608 | 09/22/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. Please see attached Intent to Proceed document. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/22/2026 | B | A | B | A | B | A | B | A | B | A | B | A | ||
| XXXXX | 3158706244 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706244 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706244 | FCOM3849 | 09/22/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided (pg XXX) indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. Please see attached Acknowledgment of receipt of Appraisal signed at closing... | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Counter | B | B | B | B | B | B | B | B | B | B | B | B | |||
| XXXXX | 3158706262 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706262 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706262 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706325 | FCOM1221 | 09/25/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete. Limited Liability Company Rider is not executed | Document Uploaded. Rider provided | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 65% | Resolved | 09/25/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXXXX | 3158706325 | FCRE7497 | 09/25/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing HOA dues or no HOA confirmation letter from borrower for the property XXX. confirmed in property report that property is in condo Missing PITIA document for the primary residence XXX and unable to verify the housing history | Document Uploaded. See attached condo fee, also XXX was a new purchase see with XXX, See CD | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 65% | Resolved | 09/25/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXXXX | 3158706325 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706325 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 65% | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706326 | FCOM1233 | 09/30/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. B2 's Primary Housing history REO details are not present in the 1003 Final. | Unable to Resolve-Unable to resolve. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.76% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Unable to Resolve | D | D | D | D | D | D | D | D | D | D | D | D | ||||
| XXXXX | 3158706326 | finding-3634 | 09/23/2026 | Compliance | TRID Tolerance | 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). 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). Document Uploaded. Do Not Concur. This property was determined to be a Condo on XX/XX/XXXX, a CIC for Housing Type change was entered into the system on XX/XX/XXXX, and since it is a Condo a project processing fee needed to be added for the new property type, this was added and disclosed timely to the borrower on XX/XX/XXXX, please see provided system snips showing these changes. | 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 Project Processing Fee on LE XX/XX/XXXX without a COC. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.76% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXXXX | 3158706326 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.76% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706135 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706135 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706135 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706138 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706138 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706138 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706029 | FCRE8999 | 09/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706029 | FCOM8997 | 09/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXXXX | 3158706029 | FPRO8998 | 09/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A |